Mortgage Calculator

Estimate your monthly mortgage payments including property taxes, home insurance, and PMI. See exactly where your money goes.

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Home Details

Home ValueA$400,000

Down PaymentA$80,000 (20.0%)

Loan AmountA$320,000

Rate (%)

Term (Yrs)

Taxes & Insurance (Annual)

Property Tax

Insurance

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Estimated Monthly Payment

A$2,456

Calculated with 6.5% APR over 30 years

Principal & Interest

A$2,023

Property Tax

A$333

Home Insurance

A$100

Amortization Schedule

See how your loan balance decreases over time

What is PMI?

Private Mortgage Insurance (PMI) is required when your down payment is less than 20% of the home's value. It typically costs 0.5%–1% of the loan amount annually and can be removed once you reach 20% equity.

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