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Compare · Mortgage Calculator

Two independent scenarios side by side.

Scenario A

Loan details

Quick scenarios

Loan balance & equity over time

Loan balance · Equity built · Balance @ 15-yr term over 31 points$0$100,000$200,000$300,000$400,000Year 0Year 5Year 10Year 15Year 20Year 25Year 30Half-paid
  • Loan balance
  • Equity built
  • Balance @ 15-yr term

Dashed line shows the same loan with a 15-year term — payment $2,788/mo vs your $2,023/mo.

Where each year's payments go

Principal vs interest

Early years are mostly interest; the principal share grows as the balance shrinks.

Principal + Interest across 30 bars$0$5,000$10,000$15,000$20,000$25,000Yr 1Yr 5Yr 9Yr 13Yr 18Yr 22Yr 26Yr 30
  • Principal
  • Interest

Cumulative principal & interest paid

How much you've paid into principal vs interest at each point in the loan.

Stacked area: Principal paid + Interest paid$0$200,000$400,000$600,000$800,000Mo 1Mo 61Mo 121Mo 181Mo 240Mo 300Mo 360
  • Principal paid
  • Interest paid

Rate × term heatmap

Monthly payment
Rate % × Term (yrs) heatmap, range $1,928 – $4,282101520253044.555.566.577.58$3,640$3,716$3,794$3,873$3,953$4,034$4,115$4,198$4,282$2,767$2,848$2,931$3,015$3,100$3,188$3,276$3,366$3,458$2,339$2,424$2,512$2,601$2,693$2,786$2,881$2,978$3,077$2,089$2,179$2,271$2,365$2,462$2,561$2,662$2,765$2,870$1,928$2,021$2,118$2,217$2,319$2,423$2,529$2,637$2,748Rate %Term (yrs)
LowerHigher$1,928 – $4,282

What moves the monthly payment most?

Each input varied ±20%. Longest bar = the most influential lever.

Sensitivity around baseline $2,423baseline · $2,423$1,917$2,928Home price$1,917$2,928Interest rate$2,157$2,704Loan term$2,319$2,597Down payment$2,321$2,524Property tax$2,363$2,483Insurance$2,403$2,443
output decreases output increasessorted by impact

Amortization schedule

YearPrincipalInterestBalance
1$3,577$20,695$316,423
2$3,816$20,455$312,607
3$4,072$20,200$308,535
4$4,345$19,927$304,191
5$4,636$19,636$299,555
6$4,946$19,325$294,609
7$5,277$18,994$289,332
8$5,631$18,641$283,701
9$6,008$18,264$277,694
10$6,410$17,861$271,284
11$6,839$17,432$264,444
12$7,297$16,974$257,147
13$7,786$16,485$249,361
14$8,308$15,964$241,053
15$8,864$15,407$232,189
16$9,458$14,814$222,732
17$10,091$14,180$212,641
18$10,767$13,505$201,874
19$11,488$12,784$190,386
20$12,257$12,014$178,129
21$13,078$11,193$165,051
22$13,954$10,317$151,097
23$14,888$9,383$136,208
24$15,886$8,386$120,323
25$16,949$7,322$103,373
26$18,085$6,187$85,289
27$19,296$4,976$65,993
28$20,588$3,683$45,405
29$21,967$2,305$23,438
30$23,438$833$0

In summary: A $400,000 home with $80,000 down at 6.5% over 30 years works out to $2,423/mo and $408,142 total interest.

Monthly payment
$2,422.62
P&I $2,022.62 · taxes/ins/HOA $400.00
  • Loan-to-value
    80.0% LTV
  • Total interest
    $408,142 (128% of principal)
  • Income guidance
    $103,826/yr at 28% rule
  • Half-equity milestone
    Month 257 (year 22)

Breakdown

Principal & interest · $2,022.62: 83.5% · Property tax · $300.00: 12.4% · Insurance · $100.00: 4.1% · HOA · $0.00: 0.0%$2,423PER MONTH
  • Principal & interest · $2,022.6283.5%
  • Property tax · $300.0012.4%
  • Insurance · $100.004.1%
  • HOA · $0.000.0%

Totals over loan

Loan amount?
$320,000.00
Total paid over 30 yrs
$872,142.36
Total interest?
$408,142.36
Payoff date
Apr 27, 2056
Scenario B

Loan details

Quick scenarios

Loan balance & equity over time

Loan balance · Equity built · Balance @ 15-yr term over 31 points$0$100,000$200,000$300,000$400,000Year 0Year 5Year 10Year 15Year 20Year 25Year 30Half-paid
  • Loan balance
  • Equity built
  • Balance @ 15-yr term

Dashed line shows the same loan with a 15-year term — payment $2,788/mo vs your $2,023/mo.

Where each year's payments go

Principal vs interest

Early years are mostly interest; the principal share grows as the balance shrinks.

Principal + Interest across 30 bars$0$5,000$10,000$15,000$20,000$25,000Yr 1Yr 5Yr 9Yr 13Yr 18Yr 22Yr 26Yr 30
  • Principal
  • Interest

Cumulative principal & interest paid

How much you've paid into principal vs interest at each point in the loan.

Stacked area: Principal paid + Interest paid$0$200,000$400,000$600,000$800,000Mo 1Mo 61Mo 121Mo 181Mo 240Mo 300Mo 360
  • Principal paid
  • Interest paid

Rate × term heatmap

Monthly payment
Rate % × Term (yrs) heatmap, range $1,928 – $4,282101520253044.555.566.577.58$3,640$3,716$3,794$3,873$3,953$4,034$4,115$4,198$4,282$2,767$2,848$2,931$3,015$3,100$3,188$3,276$3,366$3,458$2,339$2,424$2,512$2,601$2,693$2,786$2,881$2,978$3,077$2,089$2,179$2,271$2,365$2,462$2,561$2,662$2,765$2,870$1,928$2,021$2,118$2,217$2,319$2,423$2,529$2,637$2,748Rate %Term (yrs)
LowerHigher$1,928 – $4,282

What moves the monthly payment most?

Each input varied ±20%. Longest bar = the most influential lever.

Sensitivity around baseline $2,423baseline · $2,423$1,917$2,928Home price$1,917$2,928Interest rate$2,157$2,704Loan term$2,319$2,597Down payment$2,321$2,524Property tax$2,363$2,483Insurance$2,403$2,443
output decreases output increasessorted by impact

Amortization schedule

YearPrincipalInterestBalance
1$3,577$20,695$316,423
2$3,816$20,455$312,607
3$4,072$20,200$308,535
4$4,345$19,927$304,191
5$4,636$19,636$299,555
6$4,946$19,325$294,609
7$5,277$18,994$289,332
8$5,631$18,641$283,701
9$6,008$18,264$277,694
10$6,410$17,861$271,284
11$6,839$17,432$264,444
12$7,297$16,974$257,147
13$7,786$16,485$249,361
14$8,308$15,964$241,053
15$8,864$15,407$232,189
16$9,458$14,814$222,732
17$10,091$14,180$212,641
18$10,767$13,505$201,874
19$11,488$12,784$190,386
20$12,257$12,014$178,129
21$13,078$11,193$165,051
22$13,954$10,317$151,097
23$14,888$9,383$136,208
24$15,886$8,386$120,323
25$16,949$7,322$103,373
26$18,085$6,187$85,289
27$19,296$4,976$65,993
28$20,588$3,683$45,405
29$21,967$2,305$23,438
30$23,438$833$0

In summary: A $400,000 home with $80,000 down at 6.5% over 30 years works out to $2,423/mo and $408,142 total interest.

Monthly payment
$2,422.62
P&I $2,022.62 · taxes/ins/HOA $400.00
  • Loan-to-value
    80.0% LTV
  • Total interest
    $408,142 (128% of principal)
  • Income guidance
    $103,826/yr at 28% rule
  • Half-equity milestone
    Month 257 (year 22)

Breakdown

Principal & interest · $2,022.62: 83.5% · Property tax · $300.00: 12.4% · Insurance · $100.00: 4.1% · HOA · $0.00: 0.0%$2,423PER MONTH
  • Principal & interest · $2,022.6283.5%
  • Property tax · $300.0012.4%
  • Insurance · $100.004.1%
  • HOA · $0.000.0%

Totals over loan

Loan amount?
$320,000.00
Total paid over 30 yrs
$872,142.36
Total interest?
$408,142.36
Payoff date
Apr 27, 2056