Calculator 02 · illustrative
Where does every payment go?
A full schedule, switchable month-wise and year-wise, with a running total, a balance curve and the principal-versus-interest split for every period.
The shape of it
Balance and cumulative interest
Balance remainingInterest paid so far (dashed)
Principal against interest, per year
PrincipalInterest (hatched)
The schedule
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Illustrative only. No rate on this page is available anywhere and no result is a quote, an approval or a commitment. Defaults are round numbers chosen so the arithmetic is legible, not figures anybody is offering. Taxes, insurance, association dues and mortgage insurance vary enormously between towns, buildings and lenders.
Assumptions on this page: a fixed rate for the whole term, payments made on time and in full, and mortgage insurance charged monthly on the outstanding balance until it reaches 78% of the property value you entered. Taxes, insurance and association dues are excluded here — this schedule is principal, interest and mortgage insurance only. The payment calculator adds the escrow items.
Every calculation happens in your browser. Nothing is uploaded, stored or transmitted. What is fictional on this site.
Reach me directly
Numbers are a start, not an answer
If a figure on this page surprised you, that is usually worth twenty-five minutes on the phone.
- Fastest(401) 555-0128Call or text. It rings on one phone.
- Writtennadia@botelho-mortgage.exampleReplies weekdays, usually within a couple of hours.
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