Mortgage Calculator With Taxes And Insurance – Comparison of Top Providers

Compare the best mortgage calculators with taxes and insurance included to make smarter home-buying decisions and avoid surprises in monthly payments.

Understanding Mortgage Calculators With Taxes and Insurance

Mortgage calculators help estimate monthly payments based on loan amount, interest rate, and loan term. But many basic calculators exclude essential costs like property taxes and homeowners insurance. A mortgage calculator that includes taxes and insurance gives you a more accurate picture of your monthly obligation—preventing budget shortfalls and improving planning accuracy.

These tools calculate PITI: Principal, Interest, Taxes, and Insurance—critical components of every mortgage payment. Some also include optional costs like HOA fees or private mortgage insurance (PMI), offering a complete financial overview.

Why Accurate Estimation Matters

Underestimating monthly payments can strain your finances, especially if you overlook taxes or insurance premiums. A reliable calculator allows you to:

• Set a realistic budget

• Avoid surprises during escrow

• Compare loan options accurately

• Plan for long-term affordability

Let’s explore the top mortgage calculators with taxes and insurance and see how they compare.

1. Bankrate Mortgage Calculator

Overview: Bankrate is a widely trusted financial site with a robust mortgage calculator that includes taxes, insurance, and even HOA fees.

Features:

• User-friendly interface

• Customizable tax and insurance inputs

• Graphical amortization schedule

• Real-time interest rate comparisons

• Mobile-friendly design

Pros:

• Highly accurate and detailed

• Offers loan comparison tools

• Easy to adjust inputs and rerun scenarios

Cons:

• Can display sponsored lender offers

• Some ads may be distracting

Best For: Homebuyers wanting in-depth breakdowns and real-time rate comparisons.

2. NerdWallet Mortgage Calculator

Overview: NerdWallet’s calculator is known for clarity and helpful financial insights. It incorporates taxes, insurance, and PMI.

Features:

• Clean design with easy-to-understand results

• Incorporates PMI, taxes, insurance, and HOA

• Guidance and tips throughout the tool

• Loan term flexibility

Pros:

• Simplifies complex mortgage math

• Offers educational support for new buyers

• Automatically adjusts PMI based on down payment

Cons:

• Fewer advanced filters than Bankrate

• Less detail in amortization schedule

Best For: First-time buyers and those seeking financial literacy along with estimation.

3. Zillow Mortgage Calculator

Overview: Zillow, a giant in the real estate space, provides a robust calculator that integrates seamlessly with its listings.

Features:

• Auto-populates tax and insurance based on ZIP code

• Integration with home listings

• Includes PMI and HOA costs

• Monthly payment breakdown

Pros:

• Convenient for house shoppers browsing listings

• Localized estimates are useful

• Easy to switch between different homes and scenarios

Cons:

• Data may vary slightly depending on listing accuracy

• Fewer customization options for taxes or insurance

Best For: Buyers actively browsing Zillow for homes.

4. Rocket Mortgage Calculator

Overview: Rocket Mortgage offers a clean, efficient calculator with built-in loan prequalification.

Features:

• Includes taxes, insurance, and HOA

• Fast calculation and real-time updates

• Option to prequalify instantly

• Integrates with Rocket Mortgage loans

Pros:

• Streamlined and fast

• Smooth user experience

• Good for Rocket customers

Cons:

• Limited to Rocket’s loan offers

• Fewer detailed customization options

Best For: Buyers considering using Rocket Mortgage or wanting fast loan prequalification.

5. Redfin Mortgage Calculator

Overview: Redfin’s calculator is visually engaging and detailed, with interactive tools that factor in taxes and insurance.

Features:

• Includes property tax, insurance, and HOA estimates

• Interactive charts and visuals

• Links directly to Redfin listings

• Estimate affordability based on income

Pros:

• Highly visual and interactive

• Helpful for affordability planning

• Localized costs and taxes

Cons:

• Primarily tied to Redfin listings

• Limited loan comparison functionality

Best For: Buyers using Redfin’s property search and looking for interactive tools.

6. Chase Mortgage Calculator

Overview: Chase Bank offers a well-rounded mortgage calculator with built-in prequalification and educational support.

Features:

• Tax and insurance fields

• Home price or monthly payment starting points

• Prequalification and application links

• Customizable down payment and interest rate

Pros:

• Strong bank-backed support

• Excellent educational resources

• Smooth prequalification process

Cons:

• Focused on Chase loan products

• May require login for full access

Best For: Buyers planning to use Chase as a lender or seeking bank-specific advice.

7. SmartAsset Mortgage Calculator

Overview: SmartAsset’s calculator emphasizes transparency and local accuracy, using detailed local data for taxes and insurance.

Features:

• Local tax and insurance estimates

• Real estate cost insights

• Simple and clean UI

• Home affordability tool

Pros:

• Great for localized results

• Breaks down total cost of ownership

• Clear visuals and sliders

Cons:

• Fewer lender-specific features

• Limited loan product exploration

Best For: Buyers wanting localized, transparent insights.

8. MortgageCalculator.org

Overview: A classic and comprehensive calculator focused on flexibility and detail.

Features:

• Includes PMI, taxes, insurance, and HOA

• Allows advanced scenarios (extra payments, balloon loans)

• Detailed amortization table

• Printable reports

Pros:

• Very detailed and customizable

• Great for long-term planning

• No login required

Cons:

• Interface is a bit outdated

• Not linked to property listings or lender offers

Best For: Advanced users seeking full control over input scenarios.

Key Comparison Table

Choosing the Right Tool

When choosing a mortgage calculator that includes taxes and insurance, consider the following:

• User Experience: Is the tool easy to navigate and understand?

• Data Accuracy: Does it use localized or customizable estimates?

• Customization: Can you enter detailed information like PMI, HOA fees, or extra payments?

• Integration: Does it tie into real estate listings or lender platforms?

• Purpose: Are you casually browsing or actively preparing to buy?

For general budgeting and comparison, Bankrate and SmartAsset are top-tier. If you’re actively house hunting, Zillow and Redfin’s integration features may save time. For prequalification, Rocket or Chase are solid picks.

Final Thoughts

A mortgage calculator with taxes and insurance gives you the full financial picture—not just principal and interest. Whether you’re a first-time buyer or a seasoned investor, these tools can help you avoid costly surprises and stay on budget. Choose the one that aligns with your goals, lifestyle, and home-buying journey.