EACH MONTH$2,83010% down · $346,500 loan
Principal and interest$2,213
Property tax (1.10%)$353
Insurance$120
Mortgage insurance (estimated)$144
HOA and utilities$0
Add a zip code for a closer property tax estimate.
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The full monthly cost and the breakdown, so you can compare homes.
How it works
- Principal and interest come from the loan: the price minus your down payment, over the term at your rate.
- Property tax is estimated from your zip code.
- With less than 20% down (and not on a VA loan), mortgage insurance is added.
- Insurance, HOA and utilities are added as you enter them.
The payment isn’t the whole cost
Tax and insurance can add hundreds a month. Plan for the full number, not the one in the ad.
count the whole house, not just the loan.
Turn the answer into a plan
In pinchd, every payment lands in the paycheck that pays it, and you tick it off as you go. No bank login, ever.
Questions
How is property tax estimated?
From a sample rate for your zip code’s region. Your county’s actual rate may differ; the listing or the county site has it.
When does mortgage insurance go away?
Usually once you’ve paid down to 80% of the home’s value. Ask your lender about yours.
How accurate is this?
It’s an estimate from the numbers you enter. Real statements and rates vary a little.
Is this calculator free?
Yes. No sign-up. It’s in the pinchd app too, where the answer fits into your actual paychecks.