Compare calculators

Both calculators run independently — change the inputs on either side to compare results.

Mortgage Payment Calculator

Estimate the full monthly cost of owning a home — principal, interest, property tax, and homeowner's insurance — bundled into the single number lenders call PITI. Enter your loan amount, interest rate, loan term in years, annual property tax, and annual home insurance, and the calculator returns the monthly payment you would actually send (excluding PMI and HOA fees, which vary widely). This is the figure to compare against your monthly budget when deciding whether a home is affordable, and the figure mortgage lenders use to qualify you against debt-to-income limits.

Loan Amount ($)

Annual Interest Rate (%)

Loan Term

Annual Property Tax ($)

Annual Home Insurance ($)

Financial

Mortgage Affordability Calculator

Estimate the maximum home price you can afford given your annual income, existing monthly debt payments, and down payment, applying the traditional 28% front-end debt-to-income rule. Use it as a starting point before getting pre-approved by a lender.

Annual Income ($)

Monthly Debt Payments ($)

Down Payment ($)

Key differences

	Mortgage Payment Calculator	Mortgage Affordability Calculator
Category	Financial	Financial
Inputs required	5	3
Result	Monthly Payment (PITI) ($)	Maximum Home Price ($)
What it does	Estimate the full monthly cost of owning a home — principal, interest, property tax, and homeowner's insurance — bundled into the single number lenders call PITI. Enter your loan amount, interest rate, loan term in years, annual property tax, and annual home insurance, and the calculator returns the monthly payment you would actually send (excluding PMI and HOA fees, which vary widely). This is the figure to compare against your monthly budget when deciding whether a home is affordable, and the figure mortgage lenders use to qualify you against debt-to-income limits.	Estimate the maximum home price you can afford given your annual income, existing monthly debt payments, and down payment, applying the traditional 28% front-end debt-to-income rule. Use it as a starting point before getting pre-approved by a lender.