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Tax Benefits Calculator

Input Information

Financial Analysis

Property Information
Home Value
Years Before Sell

$300,000.00
5 Years

Loan Information
Amount

$250,000.00

Amount Financed

$250,000.00

Monthly Payment

$1,342.05

Monthly Real Estate Taxes

$250.00

Monthly Insurance

$125.00

Loan To Value Ratio

83.33 %

Interest Rate

5.000 %

Months With PMI

Length

30 Years

Monthly PMI

Points

1.000 %

Total Monthly Payments

Closing Costs

$1,200.00

Taxes And Insurance Information

31
$104.17
$1,821.22
First Years

Total

Interests and Points

$35,568.50

$235,639.46

Annual Taxes

$3,000.00

Total Property Taxes

$15,000.00

$90,000.00

Annual Insurance

$1,500.00

Total Deductions

$50,568.50

$325,639.46

Tax Savings

$15,676.24

$100,948.23

Average Payment After Taxes

$1,559.95

$1,540.81

Annual PMI

0.500%

Your Tax Rates And Deductions

Tax Rate

26.000 %

State Tax Rate

5.000 %

Deductions

$3,000.00

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.

Company Name, Your Slogan or General Info

Phone: (555) 555-1234 ext 123; Fax: (555) 555-1235
Web site URL or your_email@domain.com goes here.

Company Name, Your Slogan or General Info

Phone: (555) 555-1234 ext 123; Fax: (555) 555-1235
Web site URL or your_email@domain.com goes here.

Tax Benefits Calculator

Payment Schedule
Yr

Interests

Principal

Tax Savings

PMI

Balance

12,416.24

3,688.41

3,849.03

1,250.00

246,311.59

12,227.53

3,877.12

3,790.53

1,250.00

242,434.47

12,029.17

4,075.48

3,729.04

729.17

238,358.99

11,820.66

4,283.99

3,664.40

0.00

234,075.00

11,601.48

4,503.17

3,596.46

0.00

229,571.83

11,371.09

4,733.56

3,525.04

0.00

224,838.27

11,128.91

4,975.74

3,449.96

0.00

219,862.54

10,874.35

5,230.30

3,371.05

0.00

214,632.23

10,606.75

5,497.90

3,288.09

0.00

209,134.34

10

10,325.47

5,779.18

3,200.90

0.00

203,355.16

11

10,029.80

6,074.85

3,109.24

0.00

197,280.31

12

9,719.00

6,385.65

3,012.89

0.00

190,894.66

13

9,392.29

6,712.35

2,911.61

0.00

184,182.30

14

9,048.88

7,055.77

2,805.15

0.00

177,126.53

15

8,687.89

7,416.76

2,693.25

0.00

169,709.77

16

8,308.43

7,796.21

2,575.61

0.00

161,913.56

17

7,909.57

8,195.08

2,451.97

0.00

153,718.47

18

7,490.29

8,614.36

2,321.99

0.00

145,104.12

19

7,049.56

9,055.09

2,185.36

0.00

136,049.03

20

6,586.29

9,518.36

2,041.75

0.00

126,530.67

21

6,099.31

10,005.34

1,890.79

0.00

116,525.33

22

5,587.42

10,517.23

1,732.10

0.00

106,008.10

23

5,049.34

11,055.31

1,565.29

0.00

94,952.79

24

4,483.73

11,620.92

1,389.95

0.00

83,331.86

25

3,889.18

12,215.47

1,205.64

0.00

71,116.39

26

3,264.21

12,840.44

1,011.91

0.00

58,275.95

27

2,607.27

13,497.38

808.25

0.00

44,778.57

28

1,916.72

14,187.93

594.18

0.00

30,590.64

29

1,190.84

14,913.81

369.16

0.00

15,676.83

30

427.82

15,676.83

132.62

0.00

0.00

Interests

Principal

Tax Savings

PMI

Balance

233,139.46

250,000.00

72,273.23

3,229.17

0.00

Yr

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.

Company Name, Your Slogan or General Info

Phone: (555) 555-1234 ext 123; Fax: (555) 555-1235
Web site URL or your_email@domain.com goes here.

Company Name, Your Slogan or General Info

Phone: (555) 555-1234 ext 123; Fax: (555) 555-1235
Web site URL or your_email@domain.com goes here.

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DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial
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Plain English Help

When determining your tax benefits, you need to gather together quite a bit of information. Among the pieces of
information you will need are:

* The current value of your home

* The number of years before you plan to sell the home
* The amount of your loan
* The interest rate on your loan
* The length of your loan
* The number of points applied to your loan
* The closing costs when you purchased the home
* The annual taxes for the property
* The annual insurance for the property
* The PMI rate
* The Federal tax rate
* The State tax rate
* The amount of your deductions

After plugging in all of this information, you can determine the tax benefit of your home, which will help you determine
the amount you are really paying for your mortgage each month.

If your home has a value of $300,000.00, for example, and you take out a loan for $250,000.00, your total monthly
payment may come out to $1,821.22 (after considering all of the other factors described above). Due to the savings you
will receive from your tax benefit, however, your average payment will be $1,559.95 during the first 5 years. If you'll
decide to live in your home after this period, you will only pay $1,540.81 per month in average.

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial
advisor.

Company Name, Your Slogan or General Info

Phone: (555) 555-1234 ext 123; Fax: (555) 555-1235
Web site URL or your_email@domain.com goes here.