How are payments calculated?

Standard fixed-rate amortization: payment = P * r / (1 - (1+r)^-n), where r is the monthly rate and n the number of months.

Can I add extra payments?

Yes. Add a monthly extra amount and the schedule updates with an earlier payoff date.

Click Export CSV to download the full amortization table as a CSV file.

Monthly payment, amortization schedule, payoff date, and CSV export — with optional extra payments.

Showing first 12 months — use Export CSV for the full table

Date

Payment

Principal

Interest

Balance

Does this include taxes/insurance/HOA?

Add your monthly estimates — the calculator shows principal & interest separately and the all-in payment.

How are dates handled?

The payoff date advances one month per payment from your selected start month.

Can I share my inputs?

Yes. Click Share to copy a URL encoding your inputs. Anyone can open the link to see the same results.