HomeMathHomeMath is a free mortgage calculator that shows your true monthly payment — principal, interest, property taxes, home insurance and PMI (together called PITI). Most calculators hide these extra costs; HomeMath puts them front and center.
What Makes HomeMath Different
Every page is pre-filled with real local data — average home prices, property tax rates and insurance costs for 51 states and 110+ cities — so you see a realistic payment, not a generic one. You also get an amortization chart, a bi-weekly comparison, an extra-payment tool that shows how much interest you save, and a dark mode.
Data Sources
Home prices, tax rates and insurance estimates come from public sources including Zillow, the US Census Bureau, Tax Foundation and state insurance agencies. Figures are averages and change over time.
Disclaimer
HomeMath provides estimates for educational purposes only. This is not financial, legal or tax advice. Always confirm rates and terms with a lender before making a decision.