Mortgage Calculator

Mortgage Calculator helps home buyers and advisors estimate monthly loan obligations before making financing decisions. Enter home price, down payment, term length, and interest rate to view payment, total paid amount, and total interest over the loan life. The included amortization schedule reveals how each monthly payment splits between principal and interest, giving users realistic expectations for long-term debt servicing. A simple visual split bar provides fast context for how much of repayment goes to principal versus interest. This tool is especially useful for pre-approval planning, property comparison, and budget safety checks.

Key Features

• Monthly Payment Estimation

  Calculates principal-plus-interest monthly payment using standard amortization formulas.

• Term Presets

  Quickly compare 10, 15, 20, 25, and 30-year terms with one-click controls.

• Amortization Schedule

  View month-by-month payment, principal, interest, and remaining balance.

• Principal vs Interest Visual

  See repayment composition in a lightweight CSS chart without heavy chart libraries.

• Down Payment Context

  Shows down payment percentage relative to home price for faster lending scenario assessment.

• Copy Summary

  One-click copy for payment and interest numbers to share with family or advisors.

1. 1

   Set property and down payment values

   Enter home price and down payment to define the financed loan amount.

2. 2

   Choose loan term and interest rate

   Use presets or custom values to match lender offers and refinancing scenarios.

3. 3

   Review payment and total costs

   Inspect monthly payment, total paid, and total interest at the top summary cards.

4. 4

   Open amortization schedule

   Expand schedule to inspect each month and understand long-term repayment dynamics.

5. 5

   Copy key metrics

   Copy summary numbers for budgeting spreadsheets or lender comparison notes.

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