Loan & Mortgage Calculator
Know your payment before you sign.
Loan & Mortgage Calculator runs the same fixed-rate amortization math a bank uses to compute a mortgage, auto loan, or personal loan payment — principal, annual rate, and term in, exact monthly payment and total interest out, with a full year-by-year breakdown of principal paid, interest paid, and ending balance. Add an optional extra monthly payment to see precisely how many months (or years) sooner the loan is paid off and exactly how much interest that saves, computed by simulating both scenarios side by side rather than an approximation.
- →Standard fixed-rate amortization formula — the same math lenders use
- →Exact monthly payment, total interest, and total amount paid
- →Year-by-year table of principal paid, interest paid, and ending balance
- →Extra monthly payment scenario shows exact months saved and interest saved
- →Handles the zero-interest edge case correctly (simple even split)
- →100% local calculation — nothing you enter is sent to a server
- →Watermarked by Cikal Studio Labs · Works on any device, no install required
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