🏠
Loading your mortgage breakdown...
Enter your loan details to see the full picture
—
Total Interest
💰
Monthly Payment
—
Principal + interest
🔥
Total Interest
—
Over life of loan
📈
Interest Saved
—
With extra payments
⏳
Years Saved
—
Payoff acceleration
🎯 The Verdict
Enter your mortgage details to get your action plan.
🏠 Your Mortgage
Enter your loan details
⚖️ Payment Breakdown
Where every dollar goes each month
📊
Amortization Schedule
Every payment mapped — principal vs interest, month by month
💰
Extra Payment Impact
See how extra payments crush your interest and cut years off your mortgage
🔍
Monthly Breakdown
Your first payment vs last — the interest front-loading is wild
Principal vs Interest Over Time
Remaining Balance
Extra Payment Savings Breakdown
Payoff Timeline Comparison
Mortgage Payment Report
Vault & Vessel Studio ·
📖
How To Use
See the true cost of your mortgage — and exactly how extra payments save you tens of thousands
🚀 Getting Started
1
Enter Your Loan
Home price, down payment, interest rate (APR — the yearly rate your lender charges), and loan term.
2
See Your Full Amortization
Every single payment broken down — how much goes to principal (actually paying off your house) vs interest (paying the bank).
3
Add Extra Payments
Even $100-$200 extra per month can save tens of thousands in interest and cut years off your mortgage. The calculator shows exactly how much.
4
Compare & Decide
Compare minimum payment vs extra payment scenarios side by side. See the total interest difference and years saved.
📊 Terms Made Simple
Amortization: The schedule of every payment over the life of your loan. Early payments are mostly interest — the bank gets paid first. As years pass, more goes to principal.
Principal: The actual loan amount you owe. When you pay principal, you're reducing what you owe. When you pay interest, you're paying the bank for the privilege of borrowing.
APR (Annual Percentage Rate): The yearly interest rate your lender charges. A 6.5% APR on a $280K loan means ~$18,200 in interest just in year one.
Extra Payments: Money you pay above the minimum. It goes straight to principal — slashing your balance faster, which means less interest every month after. The snowball effect is real.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Actual payments may vary based on taxes, insurance, PMI, and lender terms. Use as a planning tool, not gospel.