Mortgage & Refinance Calculator — Monthly Payment, PITI & Break-Even Analysis

  

CORE INSIGHTS REVIEW · LOAN ANALYSIS ENGINE

Mortgage & Refinance
Payment Calculator

Full PITI breakdown, amortization, extra-payment savings, and refinance break-even analysis — residential or commercial.

Monthly Payment

—

Principal, interest, taxes & insurance

Rating

—

Run analysis

Risk Level

—

Based on ratios

01

KPI Dashboard

02

Loan Inputs

Property & Loan

Purchase Price USD

$

Down Payment % of price

%

Interest Rate annual

%

Loan Term years

yrs

Loan Type

Fixed-Rate (fully amortizing) Interest-Only Period Commercial Balloon

Interest-Only Period years

yrs

Balloon Due year

yr

Taxes, Insurance & Fees

Property Tax % of price / yr

%

Home Insurance annual USD

$

PMI Rate % of loan / yr, if <20% down

%

HOA / Condo Fees monthly USD

$

Gross Monthly Income optional, USD

$

Extra Payments

Extra Monthly Payment USD

$

Pay bi-weekly (≈ 1 extra payment/yr)

One-Time Lump Sum USD

$

Lump Sum Applied in Year

yr

Commercial Mode

Enable commercial DSCR analysis

Gross Rental Income annual USD

$

Vacancy Rate %

%

Operating Expenses annual USD

$

03

Payment & Affordability Rating

—

Run the calculation to see your payment breakdown and an automated affordability (or DSCR) rating.

04

Yearly Amortization

Year	Principal Paid	Interest Paid	Total Paid	Remaining Balance
Run "Calculate Payment" to generate the schedule.

05

Charts

Monthly Payment Breakdown

Loan Balance Over Time

Yearly Principal vs Interest

Rate Sensitivity — Monthly Payment

06

Extra-Payment Savings

Interest Saved

$0

Term Shortened By

0 mo

New Payoff Time

—

01

Refinance KPI Dashboard

02

Refinance Inputs

Current Loan

Current Loan Balance USD

$

Current Interest Rate annual

%

Remaining Term years

yrs

New Loan

New Interest Rate annual

%

New Loan Term years

yrs

Closing Costs USD

$

Roll closing costs into new loan

Extra Payments (New Loan)

Extra Monthly Payment USD

$

03

Refinance Savings Summary

Monthly Savings

$0

Break-Even Point

—

Lifetime Interest Saved

$0

04

Charts

Current vs New Payment

Cumulative Savings Over Time

Mortgage & Refinance Calculator — Core Insights Review, coradvisors.net
For educational and planning purposes only. Estimates are based on your inputs and simplified amortization assumptions (fixed rates, no rate changes for ARMs, no rounding by servicers) and are not a loan offer, financial, tax or legal advice. Actual loan terms, taxes, insurance and PMI cancellation rules vary by lender, property and jurisdiction. Consult a licensed mortgage professional, CPA, or financial advisor before making a decision.

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Core Insights Review contributors publish research-based analysis and editorial insights on commercial real estate, PropTech, smart infrastructure, sustainable construction, industrial real estate, and emerging technologies shaping the future of the built environment. 

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