Free Tool

Mortgage Payment Splitter

Split a PITI mortgage payment into principal, interest, taxes, and insurance.

Loans

Loan Amount ($)

Interest Rate (%) (%)

Term (years)

Annual Property Taxes ($)

Annual Insurance ($)

Total PITI

P&I Monthly

Taxes Monthly

Insurance Monthly

How this number is calculated

Basis

Monthly mortgage payment

Formula

P&I = loan x monthly rate x (1 + monthly rate)^n / ((1 + monthly rate)^n - 1); PITI = P&I + taxes/12 + insurance/12

Includes

Excludes

Source

Public calculator inputs

Computed

Live from the values currently entered above

How it works

Compute monthly P&I using the standard amortization formula

Divide annual taxes and insurance by 12

Sum to get full PITI

DoorVault reads your statements, categorizes every transaction, and shows you live metrics for every property in your portfolio. No spreadsheets.

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Related tools and terms

Frequently asked questions

Why does P&I differ from PITI in my cash flow model?

NOI already accounts for taxes and insurance. Subtracting PITI from NOI would double count them. Use P&I for cash flow math.