mˈoːɹ kˈɑːmplɛks kˈælkjʊlˌeɪɾɚz kæn tˈeɪk ˌɪntʊ ɐkˈaʊnt ˈʌðɚ kˈɔsts ɐsˈoʊsɪˌeɪɾᵻd wɪð ɐ mˈɔːɹɡɪdʒ, sˈʌtʃ ɐz lˈoʊkəl ænd stˈeɪt tˈæksᵻz, ænd ɪnʃˈʊɹɹəns.
More complex calculators can take into account other costs associated with a mortgage, such as local and state taxes, and insurance.