Use this free Mortgage Amortization Calculator to see how your loan will play out over time. Enter your loan amount, interest rate, and term, then add optional extra monthly payments or a one-time lump sum to see how much faster you can pay off your mortgage and how much interest you can save.

The amortization schedule will break down each month’s payment into principal and interest, show your remaining balance, and calculate the total cost of the loan. You can also download the full schedule as a CSV file for your own records or analysis.

This tool is designed to help homeowners and buyers understand the true cost of borrowing, compare different loan scenarios, and plan smarter strategies for paying off their mortgage early.