Free Mortgage Calculator with PMI, Taxes & Insurance

When planning to buy a home, looking only at principal and interest can lead to significant budgeting errors. Pexlii’s Mortgage Calculator computes your complete all-in monthly payment while preserving 100% confidentiality for your financial data. The algorithm computes your monthly principal and interest using the standard fixed-rate amortized loan formula. It then integrates annual property taxes, homeowners hazard insurance, and monthly HOA assessments into a unified monthly total. If your down payment is less than 20%, the engine automatically models Private Mortgage Insurance (PMI). A stacked visual breakdown bar displays the exact proportion going toward your equity versus non-recoverable escrow costs. The full amortization table calculates month-by-month equity growth and interest reduction, and can be exported as a CSV spreadsheet. All calculations execute locally on your machine with zero server involvement.