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Mortgage Escrow Calculator

Monthly escrow contribution for taxes and insurance.

Compute the monthly escrow contribution your lender adds to your mortgage payment for property taxes and homeowners insurance. Reports the per-month figure plus the typical 2-month cushion.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

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Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Escrow = (annual_property_tax + annual_insurance) / 12. Cushion = 2 · escrow.

In depth

Compute the monthly escrow contribution your lender adds to your mortgage payment for property taxes and homeowners insurance. Reports the per-month figure plus the typical 2-month cushion.