PITI Calculator

Total monthly payment including Principal, Interest, Taxes, and Insurance.

Home Price ($)

Down Payment ($)

Interest Rate (%)

Loan Term

Annual Tax ($)

Annual Insurance ($)

Monthly PMI ($)

Monthly HOA ($)

Total PITI

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Monthly P&I

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Tax/month

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Insurance/month

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PMI + HOA

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How it works

PITI is the standard measure of monthly housing cost. Lenders use PITI (not just P&I) when calculating your DTI ratio. If you have HOA dues or PMI, those count too — sometimes called PITIA or full housing payment.

For informational purposes only. Not financial advice.