How is monthly payment calculated?

PMT = P × [r(1+r)^n] / [(1+r)^n − 1], where P = principal, r = monthly rate (annual/12), n = total number of payments (years × 12).

Does this include taxes and insurance?

No. This is principal and interest only (P&I). Add property tax and insurance separately for PITI.

Calculate monthly mortgage payment from principal (P), annual rate (r), and term in years (n). PMT = P × [r(1+r)^n] / [(1+r)^n − 1].

Principal ($)

Annual rate (%)

Term (years)

How is monthly payment calculated?: PMT = P × [r(1+r)^n] / [(1+r)^n − 1], where P = principal, r = monthly rate (annual/12), n = total number of payments (years × 12).
Does this include taxes and insurance?: No. This is principal and interest only (P&I). Add property tax and insurance separately for PITI.

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