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🏡 Mortgage & Loan Amortization Calculator

See mortgage or loan amortization schedules, total interest, and the impact of extra payments on your payoff time.

Mortgage & Loan Amortization Calculator

See monthly payments, a full amortization schedule, total interest, and the impact of making extra payments on your mortgage or loan payoff date.

Loan inputs

Loan amount

Annual interest rate (%)

Term (years)

Payments per year

Extra payment each period (optional)

mortgage amortization calculatorloan payoff calculatorextra payment mortgage calculator

Summary

Regular payment (no extra)

$1,878.88

Payment with extra

$2,078.88

Total interest (no extra)

$326,395.24

Payoff periods (no extra)

360

Total interest (with extra)

$254,457.48

Payoff periods (with extra)

291

Interest saved

$71,937.76

Approx. months saved

Amortization schedule (first 120 periods)

#	Payment	Interest	Principal	Extra principal	Balance
1	$2,078.88	$1,458.33	$420.54	$200.00	$349,379.46
2	$2,078.88	$1,455.75	$423.13	$200.00	$348,756.33
3	$2,078.88	$1,453.15	$425.72	$200.00	$348,130.61
4	$2,078.88	$1,450.54	$428.33	$200.00	$347,502.27
5	$2,078.88	$1,447.93	$430.95	$200.00	$346,871.32
6	$2,078.88	$1,445.30	$433.58	$200.00	$346,237.75
7	$2,078.88	$1,442.66	$436.22	$200.00	$345,601.53
8	$2,078.88	$1,440.01	$438.87	$200.00	$344,962.66
9	$2,078.88	$1,437.34	$441.53	$200.00	$344,321.13
10	$2,078.88	$1,434.67	$444.20	$200.00	$343,676.92
11	$2,078.88	$1,431.99	$446.89	$200.00	$343,030.03
12	$2,078.88	$1,429.29	$449.58	$200.00	$342,380.45
13	$2,078.88	$1,426.59	$452.29	$200.00	$341,728.16
14	$2,078.88	$1,423.87	$455.01	$200.00	$341,073.15
15	$2,078.88	$1,421.14	$457.74	$200.00	$340,415.41
16	$2,078.88	$1,418.40	$460.48	$200.00	$339,754.94
17	$2,078.88	$1,415.65	$463.23	$200.00	$339,091.71
18	$2,078.88	$1,412.88	$465.99	$200.00	$338,425.71
19	$2,078.88	$1,410.11	$468.77	$200.00	$337,756.94
20	$2,078.88	$1,407.32	$471.56	$200.00	$337,085.39
21	$2,078.88	$1,404.52	$474.35	$200.00	$336,411.04
22	$2,078.88	$1,401.71	$477.16	$200.00	$335,733.87
23	$2,078.88	$1,398.89	$479.98	$200.00	$335,053.89
24	$2,078.88	$1,396.06	$482.82	$200.00	$334,371.07
25	$2,078.88	$1,393.21	$485.66	$200.00	$333,685.41
26	$2,078.88	$1,390.36	$488.52	$200.00	$332,996.89
27	$2,078.88	$1,387.49	$491.39	$200.00	$332,305.50
28	$2,078.88	$1,384.61	$494.27	$200.00	$331,611.23
29	$2,078.88	$1,381.71	$497.16	$200.00	$330,914.07
30	$2,078.88	$1,378.81	$500.07	$200.00	$330,214.00
31	$2,078.88	$1,375.89	$502.98	$200.00	$329,511.02
32	$2,078.88	$1,372.96	$505.91	$200.00	$328,805.10
33	$2,078.88	$1,370.02	$508.85	$200.00	$328,096.25
34	$2,078.88	$1,367.07	$511.81	$200.00	$327,384.44
35	$2,078.88	$1,364.10	$514.77	$200.00	$326,669.67
36	$2,078.88	$1,361.12	$517.75	$200.00	$325,951.91
37	$2,078.88	$1,358.13	$520.74	$200.00	$325,231.17
38	$2,078.88	$1,355.13	$523.75	$200.00	$324,507.43
39	$2,078.88	$1,352.11	$526.76	$200.00	$323,780.66
40	$2,078.88	$1,349.09	$529.79	$200.00	$323,050.87
41	$2,078.88	$1,346.05	$532.83	$200.00	$322,318.04
42	$2,078.88	$1,342.99	$535.88	$200.00	$321,582.16
43	$2,078.88	$1,339.93	$538.95	$200.00	$320,843.21
44	$2,078.88	$1,336.85	$542.03	$200.00	$320,101.18
45	$2,078.88	$1,333.75	$545.12	$200.00	$319,356.06
46	$2,078.88	$1,330.65	$548.23	$200.00	$318,607.84
47	$2,078.88	$1,327.53	$551.34	$200.00	$317,856.49
48	$2,078.88	$1,324.40	$554.47	$200.00	$317,102.02
49	$2,078.88	$1,321.26	$557.62	$200.00	$316,344.40
50	$2,078.88	$1,318.10	$560.77	$200.00	$315,583.63
51	$2,078.88	$1,314.93	$563.94	$200.00	$314,819.68
52	$2,078.88	$1,311.75	$567.13	$200.00	$314,052.56
53	$2,078.88	$1,308.55	$570.32	$200.00	$313,282.23
54	$2,078.88	$1,305.34	$573.53	$200.00	$312,508.70
55	$2,078.88	$1,302.12	$576.76	$200.00	$311,731.94
56	$2,078.88	$1,298.88	$579.99	$200.00	$310,951.95
57	$2,078.88	$1,295.63	$583.24	$200.00	$310,168.71
58	$2,078.88	$1,292.37	$586.51	$200.00	$309,382.20
59	$2,078.88	$1,289.09	$589.78	$200.00	$308,592.42
60	$2,078.88	$1,285.80	$593.07	$200.00	$307,799.35
61	$2,078.88	$1,282.50	$596.38	$200.00	$307,002.97
62	$2,078.88	$1,279.18	$599.70	$200.00	$306,203.27
63	$2,078.88	$1,275.85	$603.03	$200.00	$305,400.24
64	$2,078.88	$1,272.50	$606.37	$200.00	$304,593.87
65	$2,078.88	$1,269.14	$609.73	$200.00	$303,784.13
66	$2,078.88	$1,265.77	$613.11	$200.00	$302,971.02
67	$2,078.88	$1,262.38	$616.50	$200.00	$302,154.53
68	$2,078.88	$1,258.98	$619.90	$200.00	$301,334.63
69	$2,078.88	$1,255.56	$623.31	$200.00	$300,511.31
70	$2,078.88	$1,252.13	$626.75	$200.00	$299,684.57
71	$2,078.88	$1,248.69	$630.19	$200.00	$298,854.38
72	$2,078.88	$1,245.23	$633.65	$200.00	$298,020.73
73	$2,078.88	$1,241.75	$637.12	$200.00	$297,183.61
74	$2,078.88	$1,238.27	$640.61	$200.00	$296,343.00
75	$2,078.88	$1,234.76	$644.11	$200.00	$295,498.88
76	$2,078.88	$1,231.25	$647.63	$200.00	$294,651.25
77	$2,078.88	$1,227.71	$651.16	$200.00	$293,800.09
78	$2,078.88	$1,224.17	$654.71	$200.00	$292,945.38
79	$2,078.88	$1,220.61	$658.27	$200.00	$292,087.11
80	$2,078.88	$1,217.03	$661.85	$200.00	$291,225.27
81	$2,078.88	$1,213.44	$665.44	$200.00	$290,359.83
82	$2,078.88	$1,209.83	$669.04	$200.00	$289,490.79
83	$2,078.88	$1,206.21	$672.66	$200.00	$288,618.12
84	$2,078.88	$1,202.58	$676.30	$200.00	$287,741.82
85	$2,078.88	$1,198.92	$679.95	$200.00	$286,861.87
86	$2,078.88	$1,195.26	$683.62	$200.00	$285,978.25
87	$2,078.88	$1,191.58	$687.30	$200.00	$285,090.95
88	$2,078.88	$1,187.88	$691.00	$200.00	$284,199.96
89	$2,078.88	$1,184.17	$694.71	$200.00	$283,305.25
90	$2,078.88	$1,180.44	$698.44	$200.00	$282,406.81
91	$2,078.88	$1,176.70	$702.18	$200.00	$281,504.63
92	$2,078.88	$1,172.94	$705.94	$200.00	$280,598.69
93	$2,078.88	$1,169.16	$709.71	$200.00	$279,688.98
94	$2,078.88	$1,165.37	$713.50	$200.00	$278,775.47
95	$2,078.88	$1,161.56	$717.31	$200.00	$277,858.16
96	$2,078.88	$1,157.74	$721.13	$200.00	$276,937.03
97	$2,078.88	$1,153.90	$724.97	$200.00	$276,012.05
98	$2,078.88	$1,150.05	$728.83	$200.00	$275,083.23
99	$2,078.88	$1,146.18	$732.70	$200.00	$274,150.53
100	$2,078.88	$1,142.29	$736.58	$200.00	$273,213.95
101	$2,078.88	$1,138.39	$740.48	$200.00	$272,273.47
102	$2,078.88	$1,134.47	$744.40	$200.00	$271,329.06
103	$2,078.88	$1,130.54	$748.34	$200.00	$270,380.73
104	$2,078.88	$1,126.59	$752.29	$200.00	$269,428.44
105	$2,078.88	$1,122.62	$756.26	$200.00	$268,472.18
106	$2,078.88	$1,118.63	$760.24	$200.00	$267,511.94
107	$2,078.88	$1,114.63	$764.24	$200.00	$266,547.70
108	$2,078.88	$1,110.62	$768.26	$200.00	$265,579.44
109	$2,078.88	$1,106.58	$772.29	$200.00	$264,607.14
110	$2,078.88	$1,102.53	$776.35	$200.00	$263,630.80
111	$2,078.88	$1,098.46	$780.41	$200.00	$262,650.38
112	$2,078.88	$1,094.38	$784.50	$200.00	$261,665.88
113	$2,078.88	$1,090.27	$788.60	$200.00	$260,677.28
114	$2,078.88	$1,086.16	$792.72	$200.00	$259,684.56
115	$2,078.88	$1,082.02	$796.86	$200.00	$258,687.70
116	$2,078.88	$1,077.87	$801.01	$200.00	$257,686.69
117	$2,078.88	$1,073.69	$805.18	$200.00	$256,681.51
118	$2,078.88	$1,069.51	$809.37	$200.00	$255,672.14
119	$2,078.88	$1,065.30	$813.58	$200.00	$254,658.57
120	$2,078.88	$1,061.08	$817.80	$200.00	$253,640.77

Only the first 120 periods are shown here. Export the schedule manually if you need the full table.

How to use this tool

Enter your loan amount, annual interest rate, term, and payment frequency.
Optionally add a regular extra payment to see how it changes payoff time and total interest.
Scan the amortization schedule to see how each payment splits into interest and principal.

Mortgage amortization calculator with extra payments

Compare total interest with and without extra mortgage payments.
See how even modest overpayments can dramatically shorten your loan term.
Use the schedule to plan when you might refinance or make lump-sum payments.

How the loan payoff calculator works

Uses standard amortization formulas based on a fixed interest rate and equal payments.
Extra payments are treated as additional principal from the very first period.
Assumes no fees, rate changes, or payment holidays—ideal for clean comparisons.

FAQ

What loan types does this support?: It works for fixed-rate mortgages, car loans, personal loans, and any other standard amortizing loan.
Can I model one-off extra payments?: This version focuses on regular extra payments each period. You can approximate one-off payments by temporarily increasing the extra payment for those periods.
Which currency is used?: Amounts are formatted in your browser’s default currency. The calculations themselves are currency-agnostic.

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