YOUR STATEMENT, MADE CLEARER
Choose a PDF or photo, review the numbers we find, and bring the confirmed amounts into your calculator. Your document stays on your device.
01 / START WITH YOUR DOCUMENT
An annual escrow analysis is the most useful document. A monthly mortgage statement may not show the projected annual tax and insurance amounts.
PDF, JPG, PNG or WebP · up to 15 MB. Text PDFs: up to 12 pages. Scanned PDFs: up to 5 pages. English text works best. For HEIC photos, save a JPG or use a screenshot.
You can cover your name, address and account number before selecting a file. Keep the expense labels, dollar amounts and dates visible.
Choose a file, paste statement text, or try the example. No account or email address needed.
02 / CHECK THE DETAILS
These are possible matches, not verified figures. Fill in missing values if you have them. Check the box beside every amount you want to use. Editing an amount resets its confirmation.
KNOW WHAT THE RESULT MEANS
Annual escrow expenses divided by 12 help estimate the ongoing monthly contribution. The calculator can add a shortage installment when you provide the amount and repayment period. It does not independently verify the servicer's full analysis.
A complete projection also needs the account balance, disbursement dates and applicable reserve. The reader leaves unclear values blank instead of guessing. If your statement has several columns, use the upcoming year's projected amounts for an estimate of future bills.
The result does not change the payment your servicer requires. If the numbers disagree, compare the source documents and ask your servicer which expenses, dates and repayment terms explain the difference.
Source: CFPB — Regulation X, escrow accounts and annual analyses. CFPB — periodic mortgage statements.