Loan Calculator & Advanced Mortgage Planner
Estimate your monthly payment, total interest and payoff time, then explore advanced strategies like extra payments, recasting, refinancing and ARM projections — all on one page.
Plan your loan like a pro.
Start with a simple payment estimate, then explore extra payments, refinancing, recasting and ARM scenarios without leaving this page.
This extra principal is applied every month in all advanced scenarios.
Amortization preview (first 12 months)
Export full schedule via CSV & PDF (coming soon)| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $2,462.87 | $379.54 | $2,083.33 | $399,620.46 |
| 2 | $2,462.87 | $381.51 | $2,081.36 | $399,238.95 |
| 3 | $2,462.87 | $383.50 | $2,079.37 | $398,855.45 |
| 4 | $2,462.87 | $385.50 | $2,077.37 | $398,469.96 |
| 5 | $2,462.87 | $387.50 | $2,075.36 | $398,082.45 |
| 6 | $2,462.87 | $389.52 | $2,073.35 | $397,692.93 |
| 7 | $2,462.87 | $391.55 | $2,071.32 | $397,301.38 |
| 8 | $2,462.87 | $393.59 | $2,069.28 | $396,907.79 |
| 9 | $2,462.87 | $395.64 | $2,067.23 | $396,512.15 |
| 10 | $2,462.87 | $397.70 | $2,065.17 | $396,114.44 |
| 11 | $2,462.87 | $399.77 | $2,063.10 | $395,714.67 |
| 12 | $2,462.87 | $401.85 | $2,061.01 | $395,312.82 |
✨ Advanced loan tools
Explore payoff strategies, refinancing, recasting & ARMs.
Run what-if scenarios to see how extra payments, refinancing or switching to an ARM impact your payoff date, monthly payments and total interest.
Extra Payments Pro
Combine recurring extra payments with a one-time lump sum to see how much faster you can be debt-free.
No recurring extra payment is set above.
For example, a bonus, tax refund or equity payout.
Earlier in the loan generally yields more interest savings.
Balance with vs. without extra payments
Charts & visual insights
See how your loan balance changes over time and how different strategies impact your payoff curve. Toggle scenarios in the Advanced Tools panels above, then use these charts to visualize the difference.
Balance over time
Compare two loan scenarios
Compare your current scenario on this page (Loan A) against an alternative loan (Loan B) with a different rate and term.
Loan A (current)
Rate: 6.25%
Term: 30 years
Payment: $2,462.87
Interest: $486,632.77
e.g. a future refinance or alternative offer.
Loan B snapshot
Payment: $2,334.29
Interest: $440,344.91
Payment difference: -$128.58 /mo
Interest difference: -$46,287.86
Balance: Loan A vs Loan B