Use this real-estate calculation for a transparent preliminary valuation, financing, income, expense, area, tax, return, or market scenario with explicit dates and assumptions.

Principal And Interest (currency)

Required number input.

Property Tax Monthly (currency)

Required number input.

Insurance Monthly (currency)

Required number input.

Monthly principal, interest, property tax and insurance from separately supplied monthly amounts; excludes HOA and mortgage insurance. The tool evaluates the supplied inputs together and returns the named outputs below; it does not infer omitted operating conditions or change the units shown.^[1]

Piti Monthly (currency)

The resulting piti monthly returned as a number.

• Real properties differ in location, condition, leases, zoning, title, taxes, financing, vacancy, capital needs, environmental risk, and market liquidity. Forecasts and ratios are not appraisals, loan offers, tax opinions, or investment advice.
• Use finite inputs in the displayed units and preserve more precision than the final presentation requires. Independently verify safety-critical, financial, compliance, or production decisions.

Reconcile assumptions to leases, operating statements, surveys, tax records, lender terms, comparable evidence, and physical inspection; test downside scenarios and obtain qualified local advice.

• Monthly Mortgage Payment

  Level monthly principal-and-interest payment on a fully amortizing fixed-rate loan, including a zero-interest branch.

• Property Tax

  Annual property tax arithmetic from assessed value and user-supplied annual effective rate.

• Capex Reserve

  Annual capital expenditure reserve from a per-unit monthly allowance and property unit count.