Mortgage calculator
Estimate your monthly payment, see how much goes to interest, and compare scenarios. Nothing saved unless you ask.
01Property
$
$
02Loan terms
%
yr
03 · Your payment
Monthly payment · 30 yr fixed
$1,398.43
per month, before HOA duesTotal interest paid
$303.4k
Total of all payments
$503.4k
Loan amount
$200.0k
Payoff date
Aug 2056
Insight
You'll pay 2.52× the home's price — 60% of that is pure interest.
Adding $456.00/mo to go 15 yr saves you $169.7k and frees the title 15 years sooner.
See full analysis · amortization, scenarios, export↓
Next ↓Amortization schedule · Compare 15 vs 30 yr · Extra-payment savings
02 · Analysis
How your loan amortizes over 30 years
Principal balance vs interest paid
Balance owed
Interest paid
Interest crossover
Year 22
You'll have paid more in interest than the remaining loan balance from that point.
First payment breakdown
Interest$1.3k89%
Principal$148.4311%
Amortization schedule · sample milestones
03 · Advanced
What if you changed something?
Current30 yr · 7.5%
$1.4k/ month
Total interest
$303.4k
Total paid
$503.4k
Alternative15 yr · 7.5%
$1.9k/ month
Total interest
$133.7k
Total paid
$333.7k
Cumulative interest · current vs alternative
30yr
15yr
Saved
Switching saves
$169.7k
A 15-year term raises your monthly payment by $455.60 but cuts total interest by 56% and frees the title 15 years sooner.
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How much can I afford?
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Should I refinance?
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