All-in-One Home Loan & Mortgage Calculator

Combined Home Loan Suite

All-in-one: Home Loan EMI • Home Loan (APR & Fees) • Home Mortgage (Taxes/Insurance/PMI)

🧰 Choose calculator

Loan inputs

💱 Currency symbol ⓘ

🏦 Loan amount

⏳ Tenure

📈 Interest rate (annual, %) ⓘ

Processing fee

🧾 Processing fee (%)

📦 Processing fee (amount)

Both fields sync with loan amount—edit either.

Quick summary

EMI (monthly)

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Total interest

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APR (incl. fee)

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Results

💵 Net disbursed (after upfront fee)

💳 EMI (monthly)

📊 Total payment

📈 Total interest

🏷️ Processing fee

🧭 APR (IRR) / Eff. APR

Step-by-step derivation

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Loan inputs

💱 Currency symbol

🎛️ Known rate

📈 Interest rate (annual, %)

📉 APR (annual, %)

🏦 Loan amount

⏳ Term

📆 Payment frequency

🧮 Compounding frequency

💳 Periodic payment (if known)

Use this only when you selected “I do not know either rate”.

Fees

🧾 Prepaid fee (upfront)

📦 Loaned fee (financed)

🏷️ Points / Origination (%)

💡 How are points handled?

Quick summary

Periodic payment

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Total interest

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APR / EAPR

—

Results

💵 Net received

💳 Periodic payment

📊 Total payment

📈 Total interest

🏷️ Total additional fees

🧭 APR / Effective APR

Step-by-step derivation

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Home & loan

💱 Currency symbol

🏠 Home price

💵 Down payment

Fields sync with home price—edit either % or amount.

⏳ Term

📈 Interest rate (annual, %)

🏷️ Points (%)

Taxes, insurance, fees

💸 Property tax rate (%/yr of price)

🛡️ Home insurance (per year)

🏘️ HOA (per month)

🧮 PMI rate (%/yr) ⓘ

Quick summary

P&I (monthly)

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Escrow (T/I/PMI/HOA)

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Total monthly (PITI)

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Results

Loan amount (principal)

Start LTV

APR (IRR) / Eff. APR

Monthly P&I

Monthly escrow

PMI months (to 80% LTV)

Total interest (lifetime)

Step-by-step derivation

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Reference

Concept	Rule of thumb
PMI threshold	PMI typically applies when LTV > 80% and drops near 80% with sufficient payment history.
Monthly tax estimate	Price × tax% ÷ 12 (varies by locality).
APR (mortgage)	IRR using P&I payments; prepaid finance charges (points/origination) reduce CF₀.

Sources & notes

Formulas: standard amortization PMT; APR via IRR of cashflows with prepaid finance charges; mortgage escrow adds property tax, insurance, PMI (while LTV>80%), and HOA. This tool is educational and does not provide legal/financial advice.