Calculate your monthly escrow.

Estimate the part of your monthly payment that goes toward taxes, insurance and an existing shortage. Start with the amounts on your bills or escrow analysis.

Your annual escrowed expenses

Annual property taxes ($)Use the expected full-year amount paid through escrow.

Annual homeowners insurance ($)Use the annual premium, not your monthly mortgage payment.

Other annual escrowed expenses ($)Include flood insurance or other bills only if your servicer pays them from escrow.

Where do I find these numbers?

Your annual escrow analysis usually lists expected tax and insurance payments for the next computation year. You can also use current tax bills and insurance renewal documents. Include only bills paid through escrow, and check whether a bill is annual or one installment.

Any shortage repayment?

Shortage to repay ($)Use the shortage on your analysis. This tool does not calculate it from annual bills alone.

Repayment period (months)Replace 12 with the period on your statement or confirmed by your servicer.

Estimate my full mortgage payment (optional)

Monthly principal and interest ($)Do not enter your entire mortgage payment here.

Other monthly mortgage charges ($)For example, mortgage insurance charged separately. Do not enter a charge twice.

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Understand the numbers

One payment, two different jobs.

Your ongoing monthly escrow contribution is the expected annual escrowed bills divided by 12. If your statement includes a shortage repayment, that temporary installment is added separately. An accurate shortage calculation also needs account balances and the timing of bills; a simple annual average cannot establish it.

A reserve is a target balance held in the account. This estimate does not add a new two-month reserve as a recurring annual expense. For balance timing, use the 12-month timeline.

These tools provide educational estimates. They do not change your required payment or replace your mortgage servicer’s analysis. Payment status, loan terms, state law, dates and missing history can affect the official result.

Methodology source: CFPB Regulation X, § 1024.17. Read our calculation methodology.

Explore the escrow guides →Read a statement →