Escrow Calculator

Estimate monthly escrow payment for taxes and insurance. Use this free browser-based escrow calculator from XTRAW Tools.

Escrow Calculator helps you estimate monthly escrow payment for taxes and insurance. Use this free browser-based calculator from XTRAW Tools to compare inputs, estimate results, and plan your next step.

How to Use the Escrow Calculator

Enter the required calculator inputs shown in the form.
Review the property, rent, mortgage, fee, rehab, loan, cash flow, or project assumptions.
Run the calculator, then adjust one input at a time to compare scenarios or check your estimate.

What This Calculator Helps With

Estimate monthly escrow payment for taxes and insurance. It is designed for home buyers, homeowners, real estate investors, landlords, property managers, agents, contractors, lenders, and rental property owners who want a fast, browser-based estimate before relying on a lender, property manager, real estate agent, contractor, investor model, spreadsheet, or professional source.

Annual Property Taxes: $3,600
Annual Homeowners Insurance: $1,200
Monthly P&I Mortgage Payment: $1,200

Common Uses

People use this calculator when they need a quick way to evaluate rental property yield, home buying costs, mortgage costs, fix-and-flip scenarios, rehab costs, rental cash flow, or real estate investment assumptions.

Mortgage: Review mortgage, escrow, PMI, points, LTV, and property financing assumptions before relying on lender numbers.
Budgeting: Review rent, yield, fees, closing costs, cash flow, rehab, mortgage, or property investment assumptions before allocating money.
Payments: Estimate monthly payments, fees, escrow, PMI, or other recurring property-related amounts.

Formula or Method

Monthly Escrow = (Annual Taxes + Annual Insurance) / 12.

Example

Example inputs: Annual Property Taxes: $3,600; Annual Homeowners Insurance: $1,200; Monthly P&I Mortgage Payment: $1,200

Example result: Using the default inputs, monthly escrow is $400.00, making the estimated mortgage plus escrow payment $1,600.00.

Related Tools

Escrow Calculator FAQ

Is the Escrow Calculator free?

Yes. This calculator is free to use on XTRAW Tools.

Do I need to create an account?

No. XTRAW tools are designed for browser-based use without requiring an account.

Are the results exact?

Results may be estimates depending on the inputs, formula, rounding, assumptions, and purpose of the calculator. Always verify important results before relying on them.

Disclaimer: This calculator is provided for general informational, educational, and convenience purposes only. It is not legal, financial, tax, accounting, investment, real estate, lending, underwriting, insurance, construction, renovation, appraisal, property management, or professional advice. Always verify important results with a qualified professional, lender, insurer, appraiser, contractor, property manager, accounting records, or authoritative source before making decisions.