Mortgage intelligence
Own the numbers before you own the home.
Model any property, rate and term in seconds. See exactly how each payment splits between principal and interest, what the loan truly costs, and how one extra payment bends the whole curve.
- Monthly payment
- $2,377
- Interest over life
- $475,692
- Loan amount
- $380,000
principal + interest
55.6% of everything you repay
80% loan-to-value
- Runs entirely in your browser
- Results recalculate as you type
Where your payment goes
30-year fixed, 20% down, rate 6.40%
- Principal44%
- Interest56%
Slide 1 of 4 - swipe or use the arrow keys
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Pick the situation that sounds like you. Every calculator opens pre-filled with sensible defaults, so you get a real answer in under a minute.
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These are not screenshots. Every chart below is generated live from the same engine the calculators use, in your chosen currency.
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Where a 30-year payment really goes
Calculated live- Principal44%
- Interest56%
- Total interest
- $475.7k
- Interest share
- 55.6%
- Balance at year 15
- $274.6k
55.6% of repayments
of every dollar repaid
halfway through the term
Opens with these defaults. Change anything - nothing is stored or sent.
Also available: Mortgage, Refinance, Auto loan, Student debt, Compound interest, Affordability, Down payment, Extra payments, LTV and PMI, Savings goal, Lease versus buy, Debt snowball, Retirement drawdown, Inflation adjuster, Bridge finance, Personal loan.
Move a slider. Watch every number respond.
Five assumptions drive this model. Change any of them and the payment, the lifetime interest and the payoff date all update together - no submit button, no waiting.
Loan amount $380k - $6.26 per thousand borrowed
Monthly payment
$2,377
Principal and interest, before tax and insurance
Lifetime cost breakdown
- Interest
- $475.7k
- Total repayable
- $855.7k
55.6% of everything you repay is interest
Updating live
- Principal44%
- Interest56%
Deposit and loan-to-value
$95,000
20% deposit - 80% LTV. No mortgage insurance expected.
Effect of your extra payment
5y 9m sooner
Paying $200 extra a month saves $107.7k of interest. The loan finishes after 291 payments instead of 360.
Illustrative model: excludes tax, insurance, arrangement fees and any mortgage insurance premium. Always confirm final figures with your lender.
Free forever for personal use
Make your next money decision with numbers you actually trust.
Open the mortgage calculator, or take the calculator pack - the six tools people use most, with the working shown.
- Nothing leaves your browserEvery calculation runs locally in JavaScript. No account, no tracking of your figures.
- Works on a weak connectionStatic pages served from the edge, so the calculators stay usable on mobile data.
- Transparent assumptionsEvery result shows the formula and inputs behind it - no black boxes.