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Loan & Mortgage Calculator

Estimate monthly payments, total interest and amortization.

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Enter the loan amount, annual rate and term. We compute the monthly payment using the standard amortization formula and show how each payment splits between principal and interest.

Monthly payment

$1,580.17

Total interest

$318,861.22

Total paid

$568,861.22

Amortization schedule (360 months)
#InterestPrincipalBalance
1$1,354.17$226.00$249,774.00
2$1,352.94$227.23$249,546.77
3$1,351.71$228.46$249,318.31
4$1,350.47$229.70$249,088.61
5$1,349.23$230.94$248,857.67
6$1,347.98$232.19$248,625.48
7$1,346.72$233.45$248,392.04
8$1,345.46$234.71$248,157.32
9$1,344.19$235.98$247,921.34
10$1,342.91$237.26$247,684.07
11$1,341.62$238.55$247,445.53
12$1,340.33$239.84$247,205.69
13$1,339.03$241.14$246,964.55
14$1,337.72$242.45$246,722.10
15$1,336.41$243.76$246,478.34
16$1,335.09$245.08$246,233.26
17$1,333.76$246.41$245,986.86
18$1,332.43$247.74$245,739.12
19$1,331.09$249.08$245,490.03
20$1,329.74$250.43$245,239.60
21$1,328.38$251.79$244,987.81
22$1,327.02$253.15$244,734.66
23$1,325.65$254.52$244,480.13
24$1,324.27$255.90$244,224.23
25$1,322.88$257.29$243,966.94
26$1,321.49$258.68$243,708.26
27$1,320.09$260.08$243,448.18
28$1,318.68$261.49$243,186.68
29$1,317.26$262.91$242,923.78
30$1,315.84$264.33$242,659.44
31$1,314.41$265.76$242,393.68
32$1,312.97$267.20$242,126.47
33$1,311.52$268.65$241,857.82
34$1,310.06$270.11$241,587.72
35$1,308.60$271.57$241,316.15
36$1,307.13$273.04$241,043.10
37$1,305.65$274.52$240,768.58
38$1,304.16$276.01$240,492.58
39$1,302.67$277.50$240,215.08
40$1,301.16$279.01$239,936.07
41$1,299.65$280.52$239,655.55
42$1,298.13$282.04$239,373.52
43$1,296.61$283.56$239,089.96
44$1,295.07$285.10$238,804.86
45$1,293.53$286.64$238,518.21
46$1,291.97$288.20$238,230.02
47$1,290.41$289.76$237,940.26
48$1,288.84$291.33$237,648.93
49$1,287.27$292.91$237,356.03
50$1,285.68$294.49$237,061.53
51$1,284.08$296.09$236,765.45
52$1,282.48$297.69$236,467.76
53$1,280.87$299.30$236,168.45
54$1,279.25$300.92$235,867.53
55$1,277.62$302.55$235,564.98
56$1,275.98$304.19$235,260.78
57$1,274.33$305.84$234,954.94
58$1,272.67$307.50$234,647.44
59$1,271.01$309.16$234,338.28
60$1,269.33$310.84$234,027.44
61$1,267.65$312.52$233,714.92
62$1,265.96$314.21$233,400.71
63$1,264.25$315.92$233,084.79
64$1,262.54$317.63$232,767.16
65$1,260.82$319.35$232,447.82
66$1,259.09$321.08$232,126.74
67$1,257.35$322.82$231,803.92
68$1,255.60$324.57$231,479.36
69$1,253.85$326.32$231,153.03
70$1,252.08$328.09$230,824.94
71$1,250.30$329.87$230,495.07
72$1,248.51$331.66$230,163.42
73$1,246.72$333.45$229,829.97
74$1,244.91$335.26$229,494.71
75$1,243.10$337.07$229,157.64
76$1,241.27$338.90$228,818.74
77$1,239.43$340.74$228,478.00
78$1,237.59$342.58$228,135.42
79$1,235.73$344.44$227,790.98
80$1,233.87$346.30$227,444.68
81$1,231.99$348.18$227,096.50
82$1,230.11$350.06$226,746.44
83$1,228.21$351.96$226,394.48
84$1,226.30$353.87$226,040.61
85$1,224.39$355.78$225,684.83
86$1,222.46$357.71$225,327.12
87$1,220.52$359.65$224,967.47
88$1,218.57$361.60$224,605.87
89$1,216.62$363.55$224,242.32
90$1,214.65$365.52$223,876.79
91$1,212.67$367.50$223,509.29
92$1,210.68$369.49$223,139.80
93$1,208.67$371.50$222,768.30
94$1,206.66$373.51$222,394.79
95$1,204.64$375.53$222,019.26
96$1,202.60$377.57$221,641.69
97$1,200.56$379.61$221,262.08
98$1,198.50$381.67$220,880.42
99$1,196.44$383.73$220,496.68
100$1,194.36$385.81$220,110.87
101$1,192.27$387.90$219,722.97
102$1,190.17$390.00$219,332.96
103$1,188.05$392.12$218,940.84
104$1,185.93$394.24$218,546.60
105$1,183.79$396.38$218,150.23
106$1,181.65$398.52$217,751.71
107$1,179.49$400.68$217,351.02
108$1,177.32$402.85$216,948.17
109$1,175.14$405.03$216,543.14
110$1,172.94$407.23$216,135.91
111$1,170.74$409.43$215,726.48
112$1,168.52$411.65$215,314.82
113$1,166.29$413.88$214,900.94
114$1,164.05$416.12$214,484.82
115$1,161.79$418.38$214,066.44
116$1,159.53$420.64$213,645.80
117$1,157.25$422.92$213,222.88
118$1,154.96$425.21$212,797.66
119$1,152.65$427.52$212,370.15
120$1,150.34$429.83$211,940.32
121$1,148.01$432.16$211,508.16
122$1,145.67$434.50$211,073.66
123$1,143.32$436.85$210,636.80
124$1,140.95$439.22$210,197.58
125$1,138.57$441.60$209,755.98
126$1,136.18$443.99$209,311.99
127$1,133.77$446.40$208,865.59
128$1,131.36$448.81$208,416.78
129$1,128.92$451.25$207,965.53
130$1,126.48$453.69$207,511.84
131$1,124.02$456.15$207,055.69
132$1,121.55$458.62$206,597.07
133$1,119.07$461.10$206,135.97
134$1,116.57$463.60$205,672.37
135$1,114.06$466.11$205,206.26
136$1,111.53$468.64$204,737.62
137$1,109.00$471.17$204,266.45
138$1,106.44$473.73$203,792.72
139$1,103.88$476.29$203,316.43
140$1,101.30$478.87$202,837.56
141$1,098.70$481.47$202,356.09
142$1,096.10$484.07$201,872.02
143$1,093.47$486.70$201,385.32
144$1,090.84$489.33$200,895.99
145$1,088.19$491.98$200,404.00
146$1,085.52$494.65$199,909.35
147$1,082.84$497.33$199,412.03
148$1,080.15$500.02$198,912.01
149$1,077.44$502.73$198,409.28
150$1,074.72$505.45$197,903.82
151$1,071.98$508.19$197,395.63
152$1,069.23$510.94$196,884.69
153$1,066.46$513.71$196,370.98
154$1,063.68$516.49$195,854.48
155$1,060.88$519.29$195,335.19
156$1,058.07$522.10$194,813.09
157$1,055.24$524.93$194,288.15
158$1,052.39$527.78$193,760.38
159$1,049.54$530.63$193,229.74
160$1,046.66$533.51$192,696.23
161$1,043.77$536.40$192,159.84
162$1,040.87$539.30$191,620.53
163$1,037.94$542.23$191,078.31
164$1,035.01$545.16$190,533.14
165$1,032.05$548.12$189,985.03
166$1,029.09$551.08$189,433.94
167$1,026.10$554.07$188,879.87
168$1,023.10$557.07$188,322.80
169$1,020.08$560.09$187,762.71
170$1,017.05$563.12$187,199.59
171$1,014.00$566.17$186,633.42
172$1,010.93$569.24$186,064.18
173$1,007.85$572.32$185,491.86
174$1,004.75$575.42$184,916.44
175$1,001.63$578.54$184,337.90
176$998.50$581.67$183,756.22
177$995.35$584.82$183,171.40
178$992.18$587.99$182,583.41
179$988.99$591.18$181,992.23
180$985.79$594.38$181,397.85
181$982.57$597.60$180,800.25
182$979.33$600.84$180,199.42
183$976.08$604.09$179,595.33
184$972.81$607.36$178,987.97
185$969.52$610.65$178,377.32
186$966.21$613.96$177,763.36
187$962.88$617.29$177,146.07
188$959.54$620.63$176,525.44
189$956.18$623.99$175,901.45
190$952.80$627.37$175,274.08
191$949.40$630.77$174,643.31
192$945.98$634.19$174,009.13
193$942.55$637.62$173,371.51
194$939.10$641.07$172,730.43
195$935.62$644.55$172,085.88
196$932.13$648.04$171,437.85
197$928.62$651.55$170,786.30
198$925.09$655.08$170,131.22
199$921.54$658.63$169,472.59
200$917.98$662.19$168,810.40
201$914.39$665.78$168,144.62
202$910.78$669.39$167,475.23
203$907.16$673.01$166,802.22
204$903.51$676.66$166,125.56
205$899.85$680.32$165,445.24
206$896.16$684.01$164,761.23
207$892.46$687.71$164,073.52
208$888.73$691.44$163,382.08
209$884.99$695.18$162,686.90
210$881.22$698.95$161,987.95
211$877.43$702.74$161,285.21
212$873.63$706.54$160,578.67
213$869.80$710.37$159,868.30
214$865.95$714.22$159,154.08
215$862.08$718.09$158,436.00
216$858.19$721.98$157,714.02
217$854.28$725.89$156,988.14
218$850.35$729.82$156,258.32
219$846.40$733.77$155,524.55
220$842.42$737.75$154,786.80
221$838.43$741.74$154,045.06
222$834.41$745.76$153,299.30
223$830.37$749.80$152,549.50
224$826.31$753.86$151,795.64
225$822.23$757.94$151,037.70
226$818.12$762.05$150,275.65
227$813.99$766.18$149,509.47
228$809.84$770.33$148,739.15
229$805.67$774.50$147,964.65
230$801.48$778.69$147,185.95
231$797.26$782.91$146,403.04
232$793.02$787.15$145,615.89
233$788.75$791.42$144,824.47
234$784.47$795.70$144,028.76
235$780.16$800.01$143,228.75
236$775.82$804.35$142,424.40
237$771.47$808.70$141,615.70
238$767.09$813.09$140,802.61
239$762.68$817.49$139,985.12
240$758.25$821.92$139,163.21
241$753.80$826.37$138,336.84
242$749.32$830.85$137,505.99
243$744.82$835.35$136,670.65
244$740.30$839.87$135,830.77
245$735.75$844.42$134,986.35
246$731.18$848.99$134,137.36
247$726.58$853.59$133,283.77
248$721.95$858.22$132,425.55
249$717.31$862.86$131,562.69
250$712.63$867.54$130,695.15
251$707.93$872.24$129,822.91
252$703.21$876.96$128,945.95
253$698.46$881.71$128,064.23
254$693.68$886.49$127,177.75
255$688.88$891.29$126,286.46
256$684.05$896.12$125,390.34
257$679.20$900.97$124,489.36
258$674.32$905.85$123,583.51
259$669.41$910.76$122,672.75
260$664.48$915.69$121,757.06
261$659.52$920.65$120,836.41
262$654.53$925.64$119,910.77
263$649.52$930.65$118,980.11
264$644.48$935.69$118,044.42
265$639.41$940.76$117,103.66
266$634.31$945.86$116,157.80
267$629.19$950.98$115,206.82
268$624.04$956.13$114,250.68
269$618.86$961.31$113,289.37
270$613.65$966.52$112,322.85
271$608.42$971.75$111,351.10
272$603.15$977.02$110,374.08
273$597.86$982.31$109,391.77
274$592.54$987.63$108,404.14
275$587.19$992.98$107,411.16
276$581.81$998.36$106,412.80
277$576.40$1,003.77$105,409.03
278$570.97$1,009.20$104,399.82
279$565.50$1,014.67$103,385.15
280$560.00$1,020.17$102,364.99
281$554.48$1,025.69$101,339.29
282$548.92$1,031.25$100,308.04
283$543.34$1,036.83$99,271.21
284$537.72$1,042.45$98,228.76
285$532.07$1,048.10$97,180.66
286$526.40$1,053.77$96,126.89
287$520.69$1,059.48$95,067.40
288$514.95$1,065.22$94,002.18
289$509.18$1,070.99$92,931.19
290$503.38$1,076.79$91,854.40
291$497.54$1,082.63$90,771.77
292$491.68$1,088.49$89,683.28
293$485.78$1,094.39$88,588.90
294$479.86$1,100.31$87,488.58
295$473.90$1,106.27$86,382.31
296$467.90$1,112.27$85,270.04
297$461.88$1,118.29$84,151.75
298$455.82$1,124.35$83,027.40
299$449.73$1,130.44$81,896.97
300$443.61$1,136.56$80,760.41
301$437.45$1,142.72$79,617.69
302$431.26$1,148.91$78,468.78
303$425.04$1,155.13$77,313.65
304$418.78$1,161.39$76,152.26
305$412.49$1,167.68$74,984.58
306$406.17$1,174.00$73,810.58
307$399.81$1,180.36$72,630.22
308$393.41$1,186.76$71,443.46
309$386.99$1,193.18$70,250.28
310$380.52$1,199.65$69,050.63
311$374.02$1,206.15$67,844.48
312$367.49$1,212.68$66,631.80
313$360.92$1,219.25$65,412.55
314$354.32$1,225.85$64,186.70
315$347.68$1,232.49$62,954.21
316$341.00$1,239.17$61,715.04
317$334.29$1,245.88$60,469.16
318$327.54$1,252.63$59,216.53
319$320.76$1,259.41$57,957.12
320$313.93$1,266.24$56,690.88
321$307.08$1,273.09$55,417.79
322$300.18$1,279.99$54,137.80
323$293.25$1,286.92$52,850.88
324$286.28$1,293.89$51,556.98
325$279.27$1,300.90$50,256.08
326$272.22$1,307.95$48,948.13
327$265.14$1,315.03$47,633.09
328$258.01$1,322.16$46,310.94
329$250.85$1,329.32$44,981.62
330$243.65$1,336.52$43,645.10
331$236.41$1,343.76$42,301.34
332$229.13$1,351.04$40,950.30
333$221.81$1,358.36$39,591.94
334$214.46$1,365.71$38,226.23
335$207.06$1,373.11$36,853.12
336$199.62$1,380.55$35,472.57
337$192.14$1,388.03$34,084.54
338$184.62$1,395.55$32,689.00
339$177.07$1,403.10$31,285.89
340$169.47$1,410.70$29,875.19
341$161.82$1,418.35$28,456.84
342$154.14$1,426.03$27,030.81
343$146.42$1,433.75$25,597.06
344$138.65$1,441.52$24,155.54
345$130.84$1,449.33$22,706.21
346$122.99$1,457.18$21,249.04
347$115.10$1,465.07$19,783.96
348$107.16$1,473.01$18,310.96
349$99.18$1,480.99$16,829.97
350$91.16$1,489.01$15,340.96
351$83.10$1,497.07$13,843.89
352$74.99$1,505.18$12,338.71
353$66.83$1,513.34$10,825.37
354$58.64$1,521.53$9,303.84
355$50.40$1,529.77$7,774.07
356$42.11$1,538.06$6,236.01
357$33.78$1,546.39$4,689.61
358$25.40$1,554.77$3,134.85
359$16.98$1,563.19$1,571.66
360$8.51$1,571.66$0.00

How to use it

  1. Enter the loan amount

    Drop in the principal - the amount you're actually borrowing after any down payment.

  2. Enter the rate and term

    Annual interest rate as a percentage and the term in years. The calculator handles the monthly arithmetic.

  3. Expand the amortisation schedule

    The first row shows how much of month 1's payment is interest vs. principal. Expand the schedule to see every month through the end of the term.

What is it?

A loan calculator computes the fixed monthly payment that pays off a fully amortising loan over its term, using the standard amortisation formula P × r / (1 − (1 + r)^−n). It also shows the breakdown between principal and interest for every month, which is the data underlying any mortgage or auto-loan amortisation schedule. The numbers are deterministic - given the same inputs, every legitimate calculator returns the same result to the cent.

When to use it

Before signing a mortgage, auto loan, student loan or personal loan, to verify the lender's quoted payment is correct. Useful when shopping: changing the rate, term or down payment shows you the impact on monthly cash flow and total interest. Also useful for refinancing decisions - compare your current schedule against a new one to see breakeven and savings.

Common mistakes

Forgetting that 'monthly payment' from a calculator excludes property taxes, homeowner's insurance and PMI - the real P&I-plus-T-and-I number is usually 25–40% higher. Forgetting fees and points, which raise the effective rate. Underestimating how much total interest a 30-year term costs vs. a 15-year term - the longer the term, the smaller the monthly but the larger the lifetime total.

FAQ

Does this include taxes and insurance?
No. This is principal + interest only (P&I). For a full mortgage estimate, add property taxes, homeowner's insurance and any PMI separately.

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