Finance category
Mortgage, loan, investing, tax, and money calculators.
Escrow Balance Runoff Calculator
Escrow balance must cover tax and insurance due.
Shortfall at payment
$0
Balance at payment
$29,200
Monthly shortfall reimbursement
$0
How the math works
Balance at payment = current + monthly × months. Shortfall = payment − balance.
$18k + $2.8k × 4 = $29.2k. Payment $28.5k = $700 cushion (no shortfall). Barely adequate — deposit increase advisable.
How to Use
- Enter current escrow balance.
- Enter monthly escrow deposit.
- Enter annual taxes.
- Enter annual insurance.
- Enter months to next big payment.
- Read runway and shortfall.
Frequently Asked Questions
Why escrow?
Lenders collect 1/12 of annual tax + insurance monthly with principal/interest payment. Pays taxes/insurance when due. Ensures senior obligations not missed (which would endanger lender's position). Standard on most mortgages.
Runoff issues?
Tax hikes mid-year create escrow shortfall. Insurance renewal at higher premium depletes faster. Lender may require escrow catch-up (increased monthly deposit + lump sum). Shortfall above $100 trigger formal analysis.
Commercial escrow?
CRE mortgages often have real estate tax + insurance reserves. Monthly replenishment. Cash management agreements sweep excess to reserves. Carefully managed to meet DSCR requirements and lender protections.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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Escrow Calculator
Estimate the monthly escrow add-on for taxes, insurance, and mortgage insurance, plus the cushion deposit collected at closing.