Mortgage Amortization Calculator

Estimate monthly payment, total interest, payoff timing, and a month-by-month amortization schedule. Runs locally in one HTML file.

Loan Inputs

Monthly Escrow / Add-ons
Annual amount
Annual amount
Monthly amount
Monthly amount
Extra Payments
Annual extra payment is applied every 12th payment.

This calculator is for planning only. It excludes lender fees, closing costs, changing tax/insurance values, ARM rate changes, and exact lender-specific payment rules.

Loan Amount
$0
LTV: 0%
Principal & Interest
$0
Monthly mortgage payment
Total Monthly
$0
P&I + tax + insurance + PMI + HOA
Payoff
0 yrs
No extra payment impact
Total Interest
$0
Interest saved: $0
Total Principal
$0
Original amount borrowed
Total Paid
$0
Principal + interest only
Escrow/Add-ons
$0
Monthly non-loan costs

Monthly Payment Breakdown

Principal & Interest$0
Property Tax$0
Home Insurance$0
PMI$0
HOA$0
Extra Principal$0
Total Monthly Outflow$0

Principal vs. Interest

Principal0%
Interest0%
Extra Principal Paid0%

Amortization Schedule

Payment Year Beginning Balance Scheduled Payment Principal Interest Extra Principal Ending Balance Total Interest