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Mortgage Amortization Calculator
See where your mortgage payment goes. An amortization schedule separates principal from interest and shows how extra payments can change your payoff timeline.
Make the numbers yours.
Replace the examples with your own figures. Estimates update when you select Calculate.
Your estimate
Planning estimate only. Not a loan offer, approval, appraisal or settlement statement. Review your figures with the appropriate lender or closing professional.
UNDERSTAND YOUR RESULTS
How this calculator works
The schedule uses monthly interest on the remaining balance and applies extra principal after each regular payment. The final payment is capped at the amount owed. Calculations retain precision until display; lender rounding can differ.
Learn more: CFPB Loan Estimate guide
Are taxes and insurance included?
No. This schedule models the loan balance, principal and interest only.
Can I save the schedule?
Use the monthly or annual view, download the complete monthly CSV, or print the visible report to PDF.