Escrow Monthly Payment Calculator

Estimate escrow costs with realistic tax and insurance schedules. Add cushions, shortages, and timing for accuracy. See totals instantly and export easy reports for recordkeeping.

Enter your details

Include total yearly tax amount.
Your yearly premium for homeowners insurance.
Enter 0 if not applicable.
Flood insurance, special assessments, etc.
Shown as a monthly add-on, not escrowed.
Balance before your next deposit.
Many servicers use up to 2 months.
If you already know your escrow analysis result.
How many months to spread adjustments.
The first month in the 12-month forecast.
Used for timing in the projection.
If one payment, only this month is used.
Only used when two tax payments are selected.
Month the annual premium is paid.
If paid monthly in reality, keep annual at 0.
Only affects projection when other annual items are used.
Reset

Formula used

This calculator estimates a recommended monthly escrow deposit by combining your base monthly needs with optional adjustments for cushion and known shortages or overages.

  • Annual escrow total = Tax + Insurance + Mortgage Insurance + Other
  • Base monthly escrow = Annual escrow total ÷ 12
  • Cushion target = Base monthly escrow × Cushion months
  • Cushion catch-up = max(0, Cushion target − Current balance) ÷ Spread months
  • Shortage/overage adjustment = Expected shortage or overage ÷ Spread months
  • Recommended monthly escrow = Base monthly + Cushion catch-up + Shortage/overage adjustment

The 12-month projection deposits the recommended amount monthly and subtracts disbursements in your selected due months.

How to use this calculator

  1. Enter your annual property tax and annual insurance amounts.
  2. Add any other annual escrowed items you pay through escrow.
  3. Set the current escrow balance and choose cushion months.
  4. If you know a shortage or overage, enter it and pick spread months.
  5. Select due months for tax and insurance to improve the projection.
  6. Click Calculate to see the monthly escrow and the 12-month forecast.

For planning only. Your servicer’s escrow analysis may differ.

Example data table

Sample inputs and a sample output snapshot for quick reference.

Scenario Annual Tax Annual Insurance Cushion Months Balance Recommended Escrow
Starter sample $3,600 $1,200 2 $500 $450.00
Higher taxes $6,000 $1,500 2 $600 $625.00
Known shortage $4,200 $1,200 2 $400 $525.00
Values are illustrative. Use your actual statements for best results.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.