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Mortgage Calculator

Plan extra payments, see what they save, and export the schedule to Excel.

Monthly payment
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Payoff date
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Total interest
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Interest saved
$0
Export

Loan balance over time

Hover to find a payment in the schedule. Click to jump to it.

    Where each year's payments go

    Principal, extra principal, and interest by calendar year. Click a bar to open that year.

    Total cost

    Everything you'll pay over the life of the loan.

    Payment schedule

    Type an amount under Extra principal on any payment. copies it to every later payment, and clears it. Enter or ↓ moves to the next payment.

    Estimates only, not financial advice. Assumes a fixed-rate loan with interest calculated each period and rounded to the cent. Loan-to-value for PMI uses the purchase price. Your lender's figures, escrow adjustments, and how it applies extra payments may differ. Your inputs stay in this browser and are never sent anywhere.