This calculator shows your payoff timeline and total interest. Use the Amortization tab to watch your balance fall year by year — the point where principal overtakes interest is the turning point of your loan.
How this calculator works
Enter your numbers and the monthly payment recalculates instantly — no submit button, no page reload. The payment breakdown separates principal, interest, taxes, insurance, PMI and HOA. Use the tabs to view a full amortization schedule, compare scenarios side by side, or work backward from a monthly budget. Your inputs are encoded in the page link so you can bookmark or share a scenario without any account.