Compare Loan Scenarios
Change the loan amount, interest rate or term to compare different financing structures before making a purchase decision.
Use the calculator below to model a fixed-rate mortgage. Enter the loan amount, annual interest rate and term, then test optional extra monthly principal or a one-time lump-sum payment. The schedule updates instantly and can be downloaded as a CSV file.
Measure Extra Payments
Add recurring extra principal or a one-time lump sum to see how accelerated payments can reduce the loan balance and interest cost.
Keep the Full Schedule
Download the calculated amortization schedule as a CSV file for your records, budgeting or additional analysis.
Build Your Amortization Schedule
Fixed-rate principal and interest calculation with optional accelerated payoff.
Planning example: try a US$60,000 lump-sum payment in month 2, then compare the payoff date and interest cost before and after the extra principal.
Monthly Payment (P+I)$0.00
Total Interest$0.00
Payoff Monthn/a
Months Saved0
Monthly Amortization Schedule
| Month | Date | Payment | Extra Principal | Lump Sum | To Principal | To Interest | Balance |
|---|
This calculator is provided for general planning purposes only. Results are estimates and do not include taxes, insurance, lender fees, escrow, closing costs, variable-rate changes or other financing expenses. Actual loan terms and payment schedules should be confirmed with the lender or qualified financial professional.