Mortgage Calculator
4 tabs (Calculator / Affordability / Refinance / Compare), full amortization schedule with extra-payment highlighting, donut + stacked bar + balance + equity charts (pure SVG), 5 currencies (USD / EUR / GBP / TRY / JPY), PMI auto-drop at 80% LTV, DTI rule explainer.
Loan basics
USD
USD
$320,000
%
USD
USD
USD
USD
USD
Monthly payment
$2,547.62
P&I + tax + insurance + PMI + HOA + other
Payoff
May 2056
360 payments
Principal & Interest
$2,022.62
79.4%
Property tax
$400.00
15.7%
Insurance
$125.00
4.9%
PMI
$0.00
0.0%
HOA
$0.00
0.0%
Other
$0.00
0.0%
Total interest
$408,142
Total cost
$917,142
Loan amount
$320,000
P&I monthly
$2,022.62
Monthly breakdown
Monthly payment
- Principal & Interest79.4%
- Property tax15.7%
- Insurance4.9%
- PMI0.0%
- HOA0.0%
- Other0.0%
Principal vs interest (per year)
20262056
PrincipalInterestExtra
Balance over time
Jun 2026 · $319,711May 2056 · $0
Equity vs balance
Jun 2026May 2056
EquityBalanceMax: $400,000
Amortization schedule
| Year | Principal | Interest | Extra | Balance |
|---|---|---|---|---|
| 2026 | $2,058 | $12,100 | — | $317,942 |
| 2027 | $3,715 | $20,557 | — | $314,227 |
| 2028 | $3,963 | $20,308 | — | $310,264 |
| 2029 | $4,229 | $20,043 | — | $306,035 |
| 2030 | $4,512 | $19,759 | — | $301,523 |
| 2031 | $4,814 | $19,457 | — | $296,709 |
| 2032 | $5,137 | $19,135 | — | $291,572 |
| 2033 | $5,481 | $18,791 | — | $286,092 |
| 2034 | $5,848 | $18,424 | — | $280,244 |
| 2035 | $6,239 | $18,032 | — | $274,005 |
| 2036 | $6,657 | $17,614 | — | $267,348 |
| 2037 | $7,103 | $17,168 | — | $260,245 |
| 2038 | $7,579 | $16,693 | — | $252,666 |
| 2039 | $8,086 | $16,185 | — | $244,580 |
| 2040 | $8,628 | $15,644 | — | $235,953 |
| 2041 | $9,206 | $15,066 | — | $226,747 |
| 2042 | $9,822 | $14,449 | — | $216,925 |
| 2043 | $10,480 | $13,792 | — | $206,445 |
| 2044 | $11,182 | $13,090 | — | $195,263 |
| 2045 | $11,931 | $12,341 | — | $183,333 |
| 2046 | $12,730 | $11,542 | — | $170,603 |
| 2047 | $13,582 | $10,689 | — | $157,021 |
| 2048 | $14,492 | $9,780 | — | $142,529 |
| 2049 | $15,462 | $8,809 | — | $127,067 |
| 2050 | $16,498 | $7,774 | — | $110,569 |
| 2051 | $17,603 | $6,669 | — | $92,967 |
| 2052 | $18,782 | $5,490 | — | $74,185 |
| 2053 | $20,039 | $4,232 | — | $54,146 |
| 2054 | $21,381 | $2,890 | — | $32,764 |
| 2055 | $22,813 | $1,458 | — | $9,951 |
| 2056 | $9,951 | $162 | — | $0 |