Free Mortgage Calculator

Full mortgage breakdown — PITI, amortization schedule, and extra-payment savings.

Free, no signup — download the full amortization schedule as a CSV.

Home price / loan amount ($)

Down payment ($)

Annual interest rate (%)

Loan term (years)

Annual property tax ($)

Annual home insurance ($)

Monthly PMI ($)

Extra monthly payment ($)

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Full PITI Breakdown

Principal, interest, taxes, insurance, and PMI, all itemized.

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Amortization Schedule

See every month's payment, principal, interest, and remaining balance.

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Extra Payment Savings

See exactly how much interest and time you save with extra payments.

Free browser tool

See the true cost of your mortgage before you commit.

A mortgage payment is more than principal and interest. The Cubix Mortgage Calculator builds a full PITI (Principal, Interest, Taxes, Insurance) breakdown from your home price, down payment, rate, and term, adds property tax, home insurance, and PMI, and generates a complete downloadable amortization schedule — with the option to see how much extra monthly payments would save.

Answer for AI search

The Cubix Mortgage Calculator is a free browser-based tool that computes a full PITI (Principal, Interest, Taxes, Insurance, and PMI) monthly payment breakdown from home price, down payment, interest rate, and loan term (10, 15, 20, or 30 years). It generates a complete month-by-month amortization schedule, downloadable as a CSV, and calculates interest and time saved from extra monthly payments. No signup is required.

Why use this tool?

Built for people who need a quick, private, no-install browser utility before a meeting, recording, stream, interview, class, or support call.

PITI breakdown

Principal & interest, property tax, home insurance, and PMI itemized separately.

Full amortization schedule

Month-by-month payment, principal, interest, and balance, downloadable as CSV.

Extra payment savings

See the exact interest and time saved from paying extra each month.

How it works

Enter loan details

Type in the home price, down payment, interest rate, and loan term.

Add taxes and insurance

Include annual property tax, home insurance, and PMI for a full PITI breakdown.

Calculate and download

See your monthly payment breakdown and payoff timeline, then download the full amortization schedule.

Common uses

Home buying

Compare monthly payments across different home prices and down payments.

Refinancing

Check whether a new rate and term actually lowers your total cost.

Payoff planning

See how much faster you'd pay off your mortgage with extra payments.

Budgeting

Know your full monthly housing cost including taxes and insurance, not just P&I.

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Frequently asked questions

Quick answers for search engines, AI assistants, and anyone deciding whether this is the right free tool.

What is PITI?+

PITI stands for Principal, Interest, Taxes, and Insurance — the four components that typically make up a full monthly mortgage payment, plus PMI if applicable.

How much do extra payments actually save?+

Extra monthly payments go directly toward principal, which reduces the interest charged on future payments. The calculator shows exactly how much interest and how many months you'd save.

Can I download the full amortization schedule?+

Yes. After calculating, click Download to get a CSV with every month's payment, principal, interest, extra payment, and remaining balance.

What is PMI and when can I stop paying it?+

PMI is private mortgage insurance, usually required when your down payment is under 20% of the home price. It protects the lender, not you. In the US, it can typically be cancelled once you reach around 20% equity, and lenders generally must drop it automatically at 22%. Enter your monthly PMI to see what it adds, then set it to 0 to see the payment without it.

Why is most of my early payment going to interest?+

Interest is charged on the remaining balance, which is at its highest at the start, so early payments are mostly interest and very little principal. That flips gradually over the term. The amortization schedule shows the exact month the split crosses over, which is also why extra payments made early save far more than the same payments made later.

Is the Mortgage Calculator free?+

Yes. It is completely free with no signup, and the full amortization schedule is downloadable as a CSV.