Loan & Mortgage Calculator

Calculate monthly mortgage payments, total interest, and complete amortization schedules with comprehensive loan analysis including extra payment impact and multiple loan comparison capabilities. This financial tool provides payment calculations, interest analysis, amortization schedules, extra payment scenarios, and loan comparisons with professional financial analysis. Essential for home buyers, financial planning, mortgage comparison, and understanding long-term loan costs and payment structures for informed financial decisions.
Payment Calculations Interest Analysis Amortization Schedule Extra Payment Scenarios
Live Calculator
1337 × 42
56,154
Monthly: $1,432/month for $300K loan
Interest: Total interest: $215,520
Extra: Save $50K with extra $200/month

Loan Details

Summary

Monthly Payment:
-
Total Interest:
-
Total Payment:
-

Amortization Schedule

#PaymentInterestPrincipalBalance

Help & Related Tools

Everything you need to know

FAQ Frequently Asked Questions

What loan information do I need to calculate payments?
You need the principal amount (loan amount), annual interest rate, and loan term (number of years or months). Some calculators also factor in down payments, PMI, taxes, and insurance for comprehensive mortgage calculations.
Can I see the complete amortization schedule?
Yes, most calculators provide detailed amortization schedules showing each payment broken down into principal and interest components, remaining balance, and cumulative totals over the life of the loan.
How do extra payments affect my loan?
The calculator typically shows how extra principal payments reduce total interest paid and shorten loan terms. Even small additional payments can result in significant long-term savings.
Can I compare different loan scenarios?
Yes, you can easily adjust loan terms, interest rates, or payment amounts to compare different scenarios and find the most cost-effective option for your financial situation.
Are the calculations accurate for real mortgages?
The calculations use standard financial formulas and are mathematically accurate. However, actual mortgages may include additional fees, insurance, or terms that affect real payments. Always verify with lenders for final decisions.

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