Estimate fixed-rate monthly loan or mortgage payments, compare extra principal payments and explore a full amortization schedule. Add your own taxes, insurance and costs.
Actual estimated loan payments, including extra principal. Taxes, insurance and other costs are separate from this balance. The CSV includes both loan payments and total outlay; upfront fees are separate.
| Payment | Opening | Interest | Principal | Extra included | Loan payment | Balance |
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Your financial inputs stay in your browser and are never uploaded or saved. Inspect each estimated payment and compare extra principal without creating an account.
No. Enter the nominal annual interest rate. APR incorporates additional charges; this tool does not calculate APR. Upfront fees here are separate cash costs, not financed.
For principal P, monthly rate r and n payments, payment = P × r / (1 − (1+r)^−n). At zero interest, payment = P/n. The nominal annual percentage is divided by 1200 to obtain r. Monthly interest rounds half up to a cent and the final payment clears the balance.
Extra principal is applied from the first monthly payment, after scheduled interest and principal, and capped at the amount still owed. Compare the resulting payoff length and interest with the same loan without extras. Prepayment penalties are not modeled.
Only amounts you enter. They remain constant until payoff and do not reduce the loan balance. Upfront fees are added separately to total outlay. No local tax rates, current market rates or currency conversions are inferred.
It is a fixed-rate planning estimate with monthly end-of-period payments and two-decimal currency rounding. Daily interest, irregular dates, changing rates, escrow changes and lender-specific rounding can produce different results. Term is limited to 1200 months and each supplied amount to 1 billion currency units.
No. Calculations run locally and inputs are not persisted. Clipboard and downloads occur only when you choose. Only your theme preference is stored.
