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Mortgage Loan Calculator

Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments! Press the "Calculate" button for a full yearly or monthly amortization schedule.

Mortgage Loan Calculator

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  • Mortgage amount
    Original or expected balance for your mortgage.
  • Term in years
    The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years
  • Interest rate
    Annual fixed interest rate for this mortgage.
  • Monthly payment
    Monthly principal and interest payment (PI).
  • Total payments
    Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.
  • Total interest
    Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.
  • Prepayment type
    The frequency of prepayment. The options are: none, monthly, yearly, and one-time payment.
  • Prepayment amount
    Amount that will be prepaid on your mortgage. This amount will be applied to the mortgage principal balance, based on the prepayment type.
  • Start with payment
    This is the payment number that your prepayments will begin with. For a one time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation. If you choose to prepay with a one-time payment for payment number ZERO, the prepayment is assumed to happen before the first payment of the loan.
  • Savings
    Total amount of interest you will save by prepaying your mortgage.