.calc-container-wp {
font-family: 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
background: #ffffff;
padding: 20px;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}
.calc-row {
display: flex;
flex-wrap: wrap;
margin: 0 -10px;
}
.calc-col {
flex: 50%;
padding: 0 10px;
box-sizing: border-box;
margin-bottom: 20px;
}
@media (max-width: 600px) {
.calc-col {
flex: 100%;
}
}
.calc-label {
display: block;
margin-bottom: 5px;
font-weight: 600;
color: #333;
}
.calc-input {
width: 100%;
padding: 10px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 16px;
box-sizing: border-box;
}
.calc-input:focus {
border-color: #0073aa;
outline: none;
}
.calc-btn {
background-color: #0073aa;
color: white;
padding: 12px 24px;
border: none;
border-radius: 4px;
font-size: 18px;
cursor: pointer;
width: 100%;
transition: background 0.3s;
}
.calc-btn:hover {
background-color: #005177;
}
.calc-result-box {
background-color: #f7f9fc;
border: 1px solid #dce4ec;
padding: 20px;
border-radius: 4px;
margin-top: 20px;
text-align: center;
}
.calc-result-value {
font-size: 32px;
font-weight: bold;
color: #0073aa;
margin: 10px 0;
}
.calc-result-sub {
font-size: 14px;
color: #666;
margin-top: 5px;
}
.calc-detail-row {
display: flex;
justify-content: space-between;
padding: 8px 0;
border-bottom: 1px solid #eee;
}
.calc-article {
margin-top: 40px;
line-height: 1.6;
color: #444;
}
.calc-article h2 {
font-size: 24px;
color: #23282d;
margin-bottom: 15px;
}
.calc-article h3 {
font-size: 20px;
color: #23282d;
margin-top: 25px;
margin-bottom: 10px;
}
.calc-article p {
margin-bottom: 15px;
}
.error-msg {
color: #dc3232;
font-size: 14px;
display: none;
margin-top: 5px;
}
function calculateMortgage() {
// Get inputs
var price = parseFloat(document.getElementById('homePrice').value);
var down = parseFloat(document.getElementById('downPayment').value);
var term = parseFloat(document.getElementById('loanTerm').value);
var rate = parseFloat(document.getElementById('interestRate').value);
var tax = parseFloat(document.getElementById('propertyTax').value);
var insurance = parseFloat(document.getElementById('homeInsurance').value);
// Validation
if (isNaN(price) || isNaN(down) || isNaN(term) || isNaN(rate) || isNaN(tax) || isNaN(insurance)) {
document.getElementById('errorMessage').style.display = 'block';
document.getElementById('resultsArea').style.display = 'none';
return;
} else {
document.getElementById('errorMessage').style.display = 'none';
}
// Loan Logic
var principal = price – down;
var monthlyTax = tax / 12;
var monthlyIns = insurance / 12;
var numPayments = term * 12;
var monthlyRate = rate / 100 / 12;
var monthlyPI = 0;
if (rate === 0) {
monthlyPI = principal / numPayments;
} else {
monthlyPI = principal * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) – 1);
}
var totalMonthly = monthlyPI + monthlyTax + monthlyIns;
var totalRepayment = monthlyPI * numPayments; // Only P&I repayment
var totalInterest = totalRepayment – principal;
var totalCostWithEscrow = (totalMonthly * numPayments); // Total out of pocket
// Display Results
document.getElementById('resultsArea').style.display = 'block';
// Format currency
var fmt = new Intl.NumberFormat('en-US', { style: 'currency', currency: 'USD' });
document.getElementById('totalMonthlyPayment').innerText = fmt.format(totalMonthly);
document.getElementById('monthlyPI').innerText = fmt.format(monthlyPI);
document.getElementById('monthlyTax').innerText = fmt.format(monthlyTax);
document.getElementById('monthlyIns').innerText = fmt.format(monthlyIns);
document.getElementById('totalLoanAmount').innerText = fmt.format(principal);
document.getElementById('totalInterest').innerText = fmt.format(totalInterest);
document.getElementById('totalCost').innerText = fmt.format(totalCostWithEscrow);
}
Advanced Mortgage Calculator
Please enter valid numeric values for all fields.
Estimated Monthly Payment
$0.00
(Includes Principal, Interest, Taxes & Insurance)
Principal & Interest:
$0.00
Monthly Property Tax:
$0.00
Monthly Home Insurance:
$0.00
Total Loan Amount:
$0.00
Total Interest Paid:
$0.00
Total Cost (30 Years):
$0.00
Understanding Your Mortgage Calculation
Purchasing a home is one of the most significant financial decisions you will make. This Advanced Mortgage Calculator helps you estimate your monthly payments by accounting for not just the loan repayment, but also the recurring costs of property taxes and homeowners insurance.
How the Monthly Payment is Calculated
Your total monthly payment is primarily composed of four parts, often referred to as PITI:
- Principal: The portion of your payment that reduces the loan balance.
- Interest: The cost of borrowing the money, paid to the lender.
- Taxes: Property taxes charged by your local government, usually collected in escrow.
- Insurance: Homeowners insurance to protect against damage, also often collected in escrow.
The Impact of Interest Rates
Even a small difference in the interest rate can have a massive impact on your total loan cost. For example, on a $400,000 loan, a 1% increase in interest rate can increase your monthly payment by hundreds of dollars and your total interest paid over 30 years by over $80,000.
Principal vs. Interest Over Time
In the early years of a standard amortization schedule, the majority of your payment goes toward interest. As time passes and the loan balance decreases, a larger portion of your payment goes toward the principal. Using a larger down payment can reduce the initial loan amount, saving you significant money on interest over the life of the loan.