Free calculator

Rental Property Mortgage Calculator

Estimate your monthly mortgage payment — principal, interest, taxes, and insurance — for a rental property purchase.

Loan

$
%
%
yrs

Taxes & Insurance (optional)

$
$
$

Results

Est. total monthly payment
$1,997
Principal & interest
$1,597
Loan amount
$240,000
Total interest over loan term
$334,821
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How This Calculator Works

Principal & interest is calculated using the standard fixed-rate amortization formula, spreading the loan amount across equal monthly payments over the full loan term at your given interest rate.

Taxes and insurance are added on top as straight monthly averages of the annual figures you enter — many lenders escrow these into a single monthly payment, which is what 'total monthly payment' reflects here.

PMI (private mortgage insurance) typically applies when a down payment is under 20%, and usually drops off once you reach 20% equity — enter an estimated monthly amount if it applies to your loan.

Frequently Asked Questions

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