About PITI Pro
We built PITI Pro because most mortgage calculators hide the full picture. They show principal and interest but ignore taxes, insurance, PMI, and HOA — leaving buyers surprised at closing.
Our Mission
To give every homebuyer a transparent, accurate, and free tool to calculate their true monthly housing payment — with no sign-ups, no ads, and no data selling.
What Makes Us Different
- Complete PITI breakdown — principal, interest, taxes, insurance, PMI, and HOA
- Real-time calculation — updates instantly as you adjust inputs
- Full amortization schedule — yearly or monthly, exportable to CSV
- Visual charts — see how your payment composition changes over time
- 100% private — calculations run in your browser; we never sell your data
- Mobile-friendly — works flawlessly on any device
The Math Behind It
Our calculator uses the standard mortgage amortization formula:
M = P × [r(1+r)n] / [(1+r)n − 1]
Where M is monthly payment, P is principal, r is monthly interest rate, and n is total number of payments.