Mortgage Amortization Calculator Free

See your exact payoff date, full payment breakdown, and how to save thousands in interest

What is this? This calculator tells you the exact month and year you'll pay off your mortgage, breaks down every payment into principal, interest, taxes, and insurance, and shows exactly how much of your money goes to the bank vs. building your equity. It also reveals the true cost of carrying a mortgage over 15 or 30 years.

Who it's for: Home buyers comparing loan offers, homeowners weighing a refinance, or anyone making extra payments and wanting to see exactly how much they'll save. Works for Conventional, FHA, and VA loans.
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Loan Details
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Your Mortgage Summary
Payoff Date
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—
Monthly P&I
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principal & interest
Total Monthly PITI
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Total Interest Paid
—
over full term
Total Loan Cost
—
principal + interest
Interest Cost Ratio
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of original loan
Monthly
—
Lifetime Cost Breakdown
Total Principal
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Total Interest
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Total Taxes
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Total Insurance
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Amortization Schedule
Year Principal Paid Interest Paid Balance Cum. Interest
Free Download

Get the Full Amortization Spreadsheet

Enter your numbers once, track every payment for 30 years, see exactly when you'll be debt-free.

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