Mortgage Payoff & Amortization Calculator

Enter your mortgage details to see your monthly payment, total interest, and a full payoff schedule. Add extra payments to see how much time and interest you can save over the life of the loan.

Loan details

Loan amount

Interest rate (APR, %)

Loan term

Loan start date

Used for payment dates and payoff date labels.

Payment settings

Monthly payment

Default uses the standard mortgage formula. Override if you want to explore a different monthly amount.

Extra monthly payment

Applied with every payment from month 1 until payoff.

One-time extra payment

Applied with payment #

Property tax, insurance, HOA, other monthly costs

Use this for escrowed property tax, homeowner's insurance, HOA dues, or other recurring housing costs that are part of your monthly payment.

Standard schedule

Monthly payment

$2,528.27

Other monthly costs

$0.00

Total interest

$510,177.95

Total paid (principal + interest)

$910,177.95

Est. monthly out-of-pocket

$2,528.27

Payoff date

Oct 2055

Balance over time

See how your remaining balance drops over time with the standard payment, and how much faster it falls when you add extra payments.

Amortization schedule

#	Date	Payment	Extra	Principal	Interest	Balance
1	Nov 2025	$2,528.27	—	$361.61	$2,166.67	$399,638.39
2	Dec 2025	$2,528.27	—	$363.56	$2,164.71	$399,274.83
3	Jan 2026	$2,528.27	—	$365.53	$2,162.74	$398,909.30
4	Feb 2026	$2,528.27	—	$367.51	$2,160.76	$398,541.78
5	Mar 2026	$2,528.27	—	$369.50	$2,158.77	$398,172.28
6	Apr 2026	$2,528.27	—	$371.51	$2,156.77	$397,800.77
7	May 2026	$2,528.27	—	$373.52	$2,154.75	$397,427.26
8	Jun 2026	$2,528.27	—	$375.54	$2,152.73	$397,051.71
9	Jul 2026	$2,528.27	—	$377.58	$2,150.70	$396,674.14
10	Aug 2026	$2,528.27	—	$379.62	$2,148.65	$396,294.52
11	Sep 2026	$2,528.27	—	$381.68	$2,146.60	$395,912.84
12	Oct 2026	$2,528.27	—	$383.74	$2,144.53	$395,529.10
13	Nov 2026	$2,528.27	—	$385.82	$2,142.45	$395,143.28
14	Dec 2026	$2,528.27	—	$387.91	$2,140.36	$394,755.36
15	Jan 2027	$2,528.27	—	$390.01	$2,138.26	$394,365.35
16	Feb 2027	$2,528.27	—	$392.13	$2,136.15	$393,973.22
17	Mar 2027	$2,528.27	—	$394.25	$2,134.02	$393,578.97
18	Apr 2027	$2,528.27	—	$396.39	$2,131.89	$393,182.59
19	May 2027	$2,528.27	—	$398.53	$2,129.74	$392,784.05
20	Jun 2027	$2,528.27	—	$400.69	$2,127.58	$392,383.36
21	Jul 2027	$2,528.27	—	$402.86	$2,125.41	$391,980.50
22	Aug 2027	$2,528.27	—	$405.04	$2,123.23	$391,575.45
23	Sep 2027	$2,528.27	—	$407.24	$2,121.03	$391,168.22
24	Oct 2027	$2,528.27	—	$409.44	$2,118.83	$390,758.77
25	Nov 2027	$2,528.27	—	$411.66	$2,116.61	$390,347.11
26	Dec 2027	$2,528.27	—	$413.89	$2,114.38	$389,933.22
27	Jan 2028	$2,528.27	—	$416.13	$2,112.14	$389,517.08
28	Feb 2028	$2,528.27	—	$418.39	$2,109.88	$389,098.70
29	Mar 2028	$2,528.27	—	$420.65	$2,107.62	$388,678.04
30	Apr 2028	$2,528.27	—	$422.93	$2,105.34	$388,255.11
31	May 2028	$2,528.27	—	$425.22	$2,103.05	$387,829.89
32	Jun 2028	$2,528.27	—	$427.53	$2,100.75	$387,402.36
33	Jul 2028	$2,528.27	—	$429.84	$2,098.43	$386,972.52
34	Aug 2028	$2,528.27	—	$432.17	$2,096.10	$386,540.35
35	Sep 2028	$2,528.27	—	$434.51	$2,093.76	$386,105.83
36	Oct 2028	$2,528.27	—	$436.87	$2,091.41	$385,668.97
37	Nov 2028	$2,528.27	—	$439.23	$2,089.04	$385,229.74
38	Dec 2028	$2,528.27	—	$441.61	$2,086.66	$384,788.12
39	Jan 2029	$2,528.27	—	$444.00	$2,084.27	$384,344.12
40	Feb 2029	$2,528.27	—	$446.41	$2,081.86	$383,897.71
41	Mar 2029	$2,528.27	—	$448.83	$2,079.45	$383,448.89
42	Apr 2029	$2,528.27	—	$451.26	$2,077.01	$382,997.63
43	May 2029	$2,528.27	—	$453.70	$2,074.57	$382,543.93
44	Jun 2029	$2,528.27	—	$456.16	$2,072.11	$382,087.77
45	Jul 2029	$2,528.27	—	$458.63	$2,069.64	$381,629.14
46	Aug 2029	$2,528.27	—	$461.11	$2,067.16	$381,168.03
47	Sep 2029	$2,528.27	—	$463.61	$2,064.66	$380,704.41
48	Oct 2029	$2,528.27	—	$466.12	$2,062.15	$380,238.29
49	Nov 2029	$2,528.27	—	$468.65	$2,059.62	$379,769.64
50	Dec 2029	$2,528.27	—	$471.19	$2,057.09	$379,298.46
51	Jan 2030	$2,528.27	—	$473.74	$2,054.53	$378,824.72
52	Feb 2030	$2,528.27	—	$476.30	$2,051.97	$378,348.41
53	Mar 2030	$2,528.27	—	$478.88	$2,049.39	$377,869.53
54	Apr 2030	$2,528.27	—	$481.48	$2,046.79	$377,388.05
55	May 2030	$2,528.27	—	$484.09	$2,044.19	$376,903.96
56	Jun 2030	$2,528.27	—	$486.71	$2,041.56	$376,417.25
57	Jul 2030	$2,528.27	—	$489.35	$2,038.93	$375,927.91
58	Aug 2030	$2,528.27	—	$492.00	$2,036.28	$375,435.91
59	Sep 2030	$2,528.27	—	$494.66	$2,033.61	$374,941.25
60	Oct 2030	$2,528.27	—	$497.34	$2,030.93	$374,443.91
61	Nov 2030	$2,528.27	—	$500.03	$2,028.24	$373,943.88
62	Dec 2030	$2,528.27	—	$502.74	$2,025.53	$373,441.13
63	Jan 2031	$2,528.27	—	$505.47	$2,022.81	$372,935.67
64	Feb 2031	$2,528.27	—	$508.20	$2,020.07	$372,427.46
65	Mar 2031	$2,528.27	—	$510.96	$2,017.32	$371,916.51
66	Apr 2031	$2,528.27	—	$513.72	$2,014.55	$371,402.78
67	May 2031	$2,528.27	—	$516.51	$2,011.77	$370,886.27
68	Jun 2031	$2,528.27	—	$519.30	$2,008.97	$370,366.97
69	Jul 2031	$2,528.27	—	$522.12	$2,006.15	$369,844.85
70	Aug 2031	$2,528.27	—	$524.95	$2,003.33	$369,319.91
71	Sep 2031	$2,528.27	—	$527.79	$2,000.48	$368,792.12
72	Oct 2031	$2,528.27	—	$530.65	$1,997.62	$368,261.47
73	Nov 2031	$2,528.27	—	$533.52	$1,994.75	$367,727.95
74	Dec 2031	$2,528.27	—	$536.41	$1,991.86	$367,191.53
75	Jan 2032	$2,528.27	—	$539.32	$1,988.95	$366,652.22
76	Feb 2032	$2,528.27	—	$542.24	$1,986.03	$366,109.98
77	Mar 2032	$2,528.27	—	$545.18	$1,983.10	$365,564.80
78	Apr 2032	$2,528.27	—	$548.13	$1,980.14	$365,016.67
79	May 2032	$2,528.27	—	$551.10	$1,977.17	$364,465.57
80	Jun 2032	$2,528.27	—	$554.08	$1,974.19	$363,911.49
81	Jul 2032	$2,528.27	—	$557.08	$1,971.19	$363,354.40
82	Aug 2032	$2,528.27	—	$560.10	$1,968.17	$362,794.30
83	Sep 2032	$2,528.27	—	$563.14	$1,965.14	$362,231.17
84	Oct 2032	$2,528.27	—	$566.19	$1,962.09	$361,664.98
85	Nov 2032	$2,528.27	—	$569.25	$1,959.02	$361,095.73
86	Dec 2032	$2,528.27	—	$572.34	$1,955.94	$360,523.39
87	Jan 2033	$2,528.27	—	$575.44	$1,952.84	$359,947.95
88	Feb 2033	$2,528.27	—	$578.55	$1,949.72	$359,369.40
89	Mar 2033	$2,528.27	—	$581.69	$1,946.58	$358,787.71
90	Apr 2033	$2,528.27	—	$584.84	$1,943.43	$358,202.87
91	May 2033	$2,528.27	—	$588.01	$1,940.27	$357,614.86
92	Jun 2033	$2,528.27	—	$591.19	$1,937.08	$357,023.67
93	Jul 2033	$2,528.27	—	$594.39	$1,933.88	$356,429.28
94	Aug 2033	$2,528.27	—	$597.61	$1,930.66	$355,831.67
95	Sep 2033	$2,528.27	—	$600.85	$1,927.42	$355,230.82
96	Oct 2033	$2,528.27	—	$604.11	$1,924.17	$354,626.71
97	Nov 2033	$2,528.27	—	$607.38	$1,920.89	$354,019.33
98	Dec 2033	$2,528.27	—	$610.67	$1,917.60	$353,408.67
99	Jan 2034	$2,528.27	—	$613.98	$1,914.30	$352,794.69
100	Feb 2034	$2,528.27	—	$617.30	$1,910.97	$352,177.39
101	Mar 2034	$2,528.27	—	$620.64	$1,907.63	$351,556.74
102	Apr 2034	$2,528.27	—	$624.01	$1,904.27	$350,932.74
103	May 2034	$2,528.27	—	$627.39	$1,900.89	$350,305.35
104	Jun 2034	$2,528.27	—	$630.78	$1,897.49	$349,674.57
105	Jul 2034	$2,528.27	—	$634.20	$1,894.07	$349,040.37
106	Aug 2034	$2,528.27	—	$637.64	$1,890.64	$348,402.73
107	Sep 2034	$2,528.27	—	$641.09	$1,887.18	$347,761.64
108	Oct 2034	$2,528.27	—	$644.56	$1,883.71	$347,117.07
109	Nov 2034	$2,528.27	—	$648.05	$1,880.22	$346,469.02
110	Dec 2034	$2,528.27	—	$651.56	$1,876.71	$345,817.46
111	Jan 2035	$2,528.27	—	$655.09	$1,873.18	$345,162.36
112	Feb 2035	$2,528.27	—	$658.64	$1,869.63	$344,503.72
113	Mar 2035	$2,528.27	—	$662.21	$1,866.06	$343,841.51
114	Apr 2035	$2,528.27	—	$665.80	$1,862.47	$343,175.71
115	May 2035	$2,528.27	—	$669.40	$1,858.87	$342,506.31
116	Jun 2035	$2,528.27	—	$673.03	$1,855.24	$341,833.28
117	Jul 2035	$2,528.27	—	$676.68	$1,851.60	$341,156.60
118	Aug 2035	$2,528.27	—	$680.34	$1,847.93	$340,476.26
119	Sep 2035	$2,528.27	—	$684.03	$1,844.25	$339,792.24
120	Oct 2035	$2,528.27	—	$687.73	$1,840.54	$339,104.51
121	Nov 2035	$2,528.27	—	$691.46	$1,836.82	$338,413.05
122	Dec 2035	$2,528.27	—	$695.20	$1,833.07	$337,717.85
123	Jan 2036	$2,528.27	—	$698.97	$1,829.31	$337,018.88
124	Feb 2036	$2,528.27	—	$702.75	$1,825.52	$336,316.13
125	Mar 2036	$2,528.27	—	$706.56	$1,821.71	$335,609.57
126	Apr 2036	$2,528.27	—	$710.39	$1,817.89	$334,899.18
127	May 2036	$2,528.27	—	$714.23	$1,814.04	$334,184.95
128	Jun 2036	$2,528.27	—	$718.10	$1,810.17	$333,466.84
129	Jul 2036	$2,528.27	—	$721.99	$1,806.28	$332,744.85
130	Aug 2036	$2,528.27	—	$725.90	$1,802.37	$332,018.95
131	Sep 2036	$2,528.27	—	$729.84	$1,798.44	$331,289.11
132	Oct 2036	$2,528.27	—	$733.79	$1,794.48	$330,555.32
133	Nov 2036	$2,528.27	—	$737.76	$1,790.51	$329,817.56
134	Dec 2036	$2,528.27	—	$741.76	$1,786.51	$329,075.80
135	Jan 2037	$2,528.27	—	$745.78	$1,782.49	$328,330.02
136	Feb 2037	$2,528.27	—	$749.82	$1,778.45	$327,580.20
137	Mar 2037	$2,528.27	—	$753.88	$1,774.39	$326,826.32
138	Apr 2037	$2,528.27	—	$757.96	$1,770.31	$326,068.36
139	May 2037	$2,528.27	—	$762.07	$1,766.20	$325,306.29
140	Jun 2037	$2,528.27	—	$766.20	$1,762.08	$324,540.09
141	Jul 2037	$2,528.27	—	$770.35	$1,757.93	$323,769.75
142	Aug 2037	$2,528.27	—	$774.52	$1,753.75	$322,995.23
143	Sep 2037	$2,528.27	—	$778.71	$1,749.56	$322,216.51
144	Oct 2037	$2,528.27	—	$782.93	$1,745.34	$321,433.58
145	Nov 2037	$2,528.27	—	$787.17	$1,741.10	$320,646.41
146	Dec 2037	$2,528.27	—	$791.44	$1,736.83	$319,854.97
147	Jan 2038	$2,528.27	—	$795.72	$1,732.55	$319,059.24
148	Feb 2038	$2,528.27	—	$800.03	$1,728.24	$318,259.21
149	Mar 2038	$2,528.27	—	$804.37	$1,723.90	$317,454.84
150	Apr 2038	$2,528.27	—	$808.73	$1,719.55	$316,646.12
151	May 2038	$2,528.27	—	$813.11	$1,715.17	$315,833.01
152	Jun 2038	$2,528.27	—	$817.51	$1,710.76	$315,015.50
153	Jul 2038	$2,528.27	—	$821.94	$1,706.33	$314,193.56
154	Aug 2038	$2,528.27	—	$826.39	$1,701.88	$313,367.17
155	Sep 2038	$2,528.27	—	$830.87	$1,697.41	$312,536.31
156	Oct 2038	$2,528.27	—	$835.37	$1,692.90	$311,700.94
157	Nov 2038	$2,528.27	—	$839.89	$1,688.38	$310,861.05
158	Dec 2038	$2,528.27	—	$844.44	$1,683.83	$310,016.60
159	Jan 2039	$2,528.27	—	$849.02	$1,679.26	$309,167.59
160	Feb 2039	$2,528.27	—	$853.61	$1,674.66	$308,313.97
161	Mar 2039	$2,528.27	—	$858.24	$1,670.03	$307,455.74
162	Apr 2039	$2,528.27	—	$862.89	$1,665.39	$306,592.85
163	May 2039	$2,528.27	—	$867.56	$1,660.71	$305,725.29
164	Jun 2039	$2,528.27	—	$872.26	$1,656.01	$304,853.03
165	Jul 2039	$2,528.27	—	$876.98	$1,651.29	$303,976.04
166	Aug 2039	$2,528.27	—	$881.74	$1,646.54	$303,094.31
167	Sep 2039	$2,528.27	—	$886.51	$1,641.76	$302,207.80
168	Oct 2039	$2,528.27	—	$891.31	$1,636.96	$301,316.48
169	Nov 2039	$2,528.27	—	$896.14	$1,632.13	$300,420.34
170	Dec 2039	$2,528.27	—	$901.00	$1,627.28	$299,519.35
171	Jan 2040	$2,528.27	—	$905.88	$1,622.40	$298,613.47
172	Feb 2040	$2,528.27	—	$910.78	$1,617.49	$297,702.69
173	Mar 2040	$2,528.27	—	$915.72	$1,612.56	$296,786.97
174	Apr 2040	$2,528.27	—	$920.68	$1,607.60	$295,866.30
175	May 2040	$2,528.27	—	$925.66	$1,602.61	$294,940.64
176	Jun 2040	$2,528.27	—	$930.68	$1,597.60	$294,009.96
177	Jul 2040	$2,528.27	—	$935.72	$1,592.55	$293,074.24
178	Aug 2040	$2,528.27	—	$940.79	$1,587.49	$292,133.45
179	Sep 2040	$2,528.27	—	$945.88	$1,582.39	$291,187.57
180	Oct 2040	$2,528.27	—	$951.01	$1,577.27	$290,236.56
181	Nov 2040	$2,528.27	—	$956.16	$1,572.11	$289,280.41
182	Dec 2040	$2,528.27	—	$961.34	$1,566.94	$288,319.07
183	Jan 2041	$2,528.27	—	$966.54	$1,561.73	$287,352.53
184	Feb 2041	$2,528.27	—	$971.78	$1,556.49	$286,380.75
185	Mar 2041	$2,528.27	—	$977.04	$1,551.23	$285,403.70
186	Apr 2041	$2,528.27	—	$982.34	$1,545.94	$284,421.37
187	May 2041	$2,528.27	—	$987.66	$1,540.62	$283,433.71
188	Jun 2041	$2,528.27	—	$993.01	$1,535.27	$282,440.71
189	Jul 2041	$2,528.27	—	$998.38	$1,529.89	$281,442.32
190	Aug 2041	$2,528.27	—	$1,003.79	$1,524.48	$280,438.53
191	Sep 2041	$2,528.27	—	$1,009.23	$1,519.04	$279,429.30
192	Oct 2041	$2,528.27	—	$1,014.70	$1,513.58	$278,414.60
193	Nov 2041	$2,528.27	—	$1,020.19	$1,508.08	$277,394.41
194	Dec 2041	$2,528.27	—	$1,025.72	$1,502.55	$276,368.69
195	Jan 2042	$2,528.27	—	$1,031.28	$1,497.00	$275,337.42
196	Feb 2042	$2,528.27	—	$1,036.86	$1,491.41	$274,300.55
197	Mar 2042	$2,528.27	—	$1,042.48	$1,485.79	$273,258.08
198	Apr 2042	$2,528.27	—	$1,048.12	$1,480.15	$272,209.95
199	May 2042	$2,528.27	—	$1,053.80	$1,474.47	$271,156.15
200	Jun 2042	$2,528.27	—	$1,059.51	$1,468.76	$270,096.64
201	Jul 2042	$2,528.27	—	$1,065.25	$1,463.02	$269,031.39
202	Aug 2042	$2,528.27	—	$1,071.02	$1,457.25	$267,960.37
203	Sep 2042	$2,528.27	—	$1,076.82	$1,451.45	$266,883.55
204	Oct 2042	$2,528.27	—	$1,082.65	$1,445.62	$265,800.90
205	Nov 2042	$2,528.27	—	$1,088.52	$1,439.75	$264,712.38
206	Dec 2042	$2,528.27	—	$1,094.41	$1,433.86	$263,617.97
207	Jan 2043	$2,528.27	—	$1,100.34	$1,427.93	$262,517.63
208	Feb 2043	$2,528.27	—	$1,106.30	$1,421.97	$261,411.33
209	Mar 2043	$2,528.27	—	$1,112.29	$1,415.98	$260,299.03
210	Apr 2043	$2,528.27	—	$1,118.32	$1,409.95	$259,180.71
211	May 2043	$2,528.27	—	$1,124.38	$1,403.90	$258,056.34
212	Jun 2043	$2,528.27	—	$1,130.47	$1,397.81	$256,925.87
213	Jul 2043	$2,528.27	—	$1,136.59	$1,391.68	$255,789.28
214	Aug 2043	$2,528.27	—	$1,142.75	$1,385.53	$254,646.53
215	Sep 2043	$2,528.27	—	$1,148.94	$1,379.34	$253,497.60
216	Oct 2043	$2,528.27	—	$1,155.16	$1,373.11	$252,342.44
217	Nov 2043	$2,528.27	—	$1,161.42	$1,366.85	$251,181.02
218	Dec 2043	$2,528.27	—	$1,167.71	$1,360.56	$250,013.31
219	Jan 2044	$2,528.27	—	$1,174.03	$1,354.24	$248,839.28
220	Feb 2044	$2,528.27	—	$1,180.39	$1,347.88	$247,658.89
221	Mar 2044	$2,528.27	—	$1,186.79	$1,341.49	$246,472.10
222	Apr 2044	$2,528.27	—	$1,193.21	$1,335.06	$245,278.88
223	May 2044	$2,528.27	—	$1,199.68	$1,328.59	$244,079.21
224	Jun 2044	$2,528.27	—	$1,206.18	$1,322.10	$242,873.03
225	Jul 2044	$2,528.27	—	$1,212.71	$1,315.56	$241,660.32
226	Aug 2044	$2,528.27	—	$1,219.28	$1,308.99	$240,441.04
227	Sep 2044	$2,528.27	—	$1,225.88	$1,302.39	$239,215.16
228	Oct 2044	$2,528.27	—	$1,232.52	$1,295.75	$237,982.64
229	Nov 2044	$2,528.27	—	$1,239.20	$1,289.07	$236,743.44
230	Dec 2044	$2,528.27	—	$1,245.91	$1,282.36	$235,497.52
231	Jan 2045	$2,528.27	—	$1,252.66	$1,275.61	$234,244.86
232	Feb 2045	$2,528.27	—	$1,259.45	$1,268.83	$232,985.42
233	Mar 2045	$2,528.27	—	$1,266.27	$1,262.00	$231,719.15
234	Apr 2045	$2,528.27	—	$1,273.13	$1,255.15	$230,446.02
235	May 2045	$2,528.27	—	$1,280.02	$1,248.25	$229,166.00
236	Jun 2045	$2,528.27	—	$1,286.96	$1,241.32	$227,879.04
237	Jul 2045	$2,528.27	—	$1,293.93	$1,234.34	$226,585.12
238	Aug 2045	$2,528.27	—	$1,300.94	$1,227.34	$225,284.18
239	Sep 2045	$2,528.27	—	$1,307.98	$1,220.29	$223,976.20
240	Oct 2045	$2,528.27	—	$1,315.07	$1,213.20	$222,661.13
241	Nov 2045	$2,528.27	—	$1,322.19	$1,206.08	$221,338.94
242	Dec 2045	$2,528.27	—	$1,329.35	$1,198.92	$220,009.59
243	Jan 2046	$2,528.27	—	$1,336.55	$1,191.72	$218,673.03
244	Feb 2046	$2,528.27	—	$1,343.79	$1,184.48	$217,329.24
245	Mar 2046	$2,528.27	—	$1,351.07	$1,177.20	$215,978.17
246	Apr 2046	$2,528.27	—	$1,358.39	$1,169.88	$214,619.78
247	May 2046	$2,528.27	—	$1,365.75	$1,162.52	$213,254.03
248	Jun 2046	$2,528.27	—	$1,373.15	$1,155.13	$211,880.88
249	Jul 2046	$2,528.27	—	$1,380.58	$1,147.69	$210,500.30
250	Aug 2046	$2,528.27	—	$1,388.06	$1,140.21	$209,112.24
251	Sep 2046	$2,528.27	—	$1,395.58	$1,132.69	$207,716.66
252	Oct 2046	$2,528.27	—	$1,403.14	$1,125.13	$206,313.52
253	Nov 2046	$2,528.27	—	$1,410.74	$1,117.53	$204,902.78
254	Dec 2046	$2,528.27	—	$1,418.38	$1,109.89	$203,484.39
255	Jan 2047	$2,528.27	—	$1,426.06	$1,102.21	$202,058.33
256	Feb 2047	$2,528.27	—	$1,433.79	$1,094.48	$200,624.54
257	Mar 2047	$2,528.27	—	$1,441.56	$1,086.72	$199,182.98
258	Apr 2047	$2,528.27	—	$1,449.36	$1,078.91	$197,733.62
259	May 2047	$2,528.27	—	$1,457.21	$1,071.06	$196,276.40
260	Jun 2047	$2,528.27	—	$1,465.11	$1,063.16	$194,811.30
261	Jul 2047	$2,528.27	—	$1,473.04	$1,055.23	$193,338.25
262	Aug 2047	$2,528.27	—	$1,481.02	$1,047.25	$191,857.23
263	Sep 2047	$2,528.27	—	$1,489.05	$1,039.23	$190,368.18
264	Oct 2047	$2,528.27	—	$1,497.11	$1,031.16	$188,871.07
265	Nov 2047	$2,528.27	—	$1,505.22	$1,023.05	$187,365.85
266	Dec 2047	$2,528.27	—	$1,513.37	$1,014.90	$185,852.48
267	Jan 2048	$2,528.27	—	$1,521.57	$1,006.70	$184,330.91
268	Feb 2048	$2,528.27	—	$1,529.81	$998.46	$182,801.09
269	Mar 2048	$2,528.27	—	$1,538.10	$990.17	$181,262.99
270	Apr 2048	$2,528.27	—	$1,546.43	$981.84	$179,716.56
271	May 2048	$2,528.27	—	$1,554.81	$973.46	$178,161.76
272	Jun 2048	$2,528.27	—	$1,563.23	$965.04	$176,598.53
273	Jul 2048	$2,528.27	—	$1,571.70	$956.58	$175,026.83
274	Aug 2048	$2,528.27	—	$1,580.21	$948.06	$173,446.62
275	Sep 2048	$2,528.27	—	$1,588.77	$939.50	$171,857.85
276	Oct 2048	$2,528.27	—	$1,597.38	$930.90	$170,260.47
277	Nov 2048	$2,528.27	—	$1,606.03	$922.24	$168,654.45
278	Dec 2048	$2,528.27	—	$1,614.73	$913.54	$167,039.72
279	Jan 2049	$2,528.27	—	$1,623.47	$904.80	$165,416.25
280	Feb 2049	$2,528.27	—	$1,632.27	$896.00	$163,783.98
281	Mar 2049	$2,528.27	—	$1,641.11	$887.16	$162,142.87
282	Apr 2049	$2,528.27	—	$1,650.00	$878.27	$160,492.87
283	May 2049	$2,528.27	—	$1,658.94	$869.34	$158,833.94
284	Jun 2049	$2,528.27	—	$1,667.92	$860.35	$157,166.01
285	Jul 2049	$2,528.27	—	$1,676.96	$851.32	$155,489.06
286	Aug 2049	$2,528.27	—	$1,686.04	$842.23	$153,803.02
287	Sep 2049	$2,528.27	—	$1,695.17	$833.10	$152,107.85
288	Oct 2049	$2,528.27	—	$1,704.35	$823.92	$150,403.49
289	Nov 2049	$2,528.27	—	$1,713.59	$814.69	$148,689.90
290	Dec 2049	$2,528.27	—	$1,722.87	$805.40	$146,967.04
291	Jan 2050	$2,528.27	—	$1,732.20	$796.07	$145,234.84
292	Feb 2050	$2,528.27	—	$1,741.58	$786.69	$143,493.25
293	Mar 2050	$2,528.27	—	$1,751.02	$777.26	$141,742.23
294	Apr 2050	$2,528.27	—	$1,760.50	$767.77	$139,981.73
295	May 2050	$2,528.27	—	$1,770.04	$758.23	$138,211.70
296	Jun 2050	$2,528.27	—	$1,779.63	$748.65	$136,432.07
297	Jul 2050	$2,528.27	—	$1,789.27	$739.01	$134,642.80
298	Aug 2050	$2,528.27	—	$1,798.96	$729.32	$132,843.85
299	Sep 2050	$2,528.27	—	$1,808.70	$719.57	$131,035.15
300	Oct 2050	$2,528.27	—	$1,818.50	$709.77	$129,216.65
301	Nov 2050	$2,528.27	—	$1,828.35	$699.92	$127,388.30
302	Dec 2050	$2,528.27	—	$1,838.25	$690.02	$125,550.05
303	Jan 2051	$2,528.27	—	$1,848.21	$680.06	$123,701.84
304	Feb 2051	$2,528.27	—	$1,858.22	$670.05	$121,843.62
305	Mar 2051	$2,528.27	—	$1,868.29	$659.99	$119,975.33
306	Apr 2051	$2,528.27	—	$1,878.41	$649.87	$118,096.93
307	May 2051	$2,528.27	—	$1,888.58	$639.69	$116,208.35
308	Jun 2051	$2,528.27	—	$1,898.81	$629.46	$114,309.54
309	Jul 2051	$2,528.27	—	$1,909.10	$619.18	$112,400.44
310	Aug 2051	$2,528.27	—	$1,919.44	$608.84	$110,481.00
311	Sep 2051	$2,528.27	—	$1,929.83	$598.44	$108,551.17
312	Oct 2051	$2,528.27	—	$1,940.29	$587.99	$106,610.88
313	Nov 2051	$2,528.27	—	$1,950.80	$577.48	$104,660.09
314	Dec 2051	$2,528.27	—	$1,961.36	$566.91	$102,698.72
315	Jan 2052	$2,528.27	—	$1,971.99	$556.28	$100,726.74
316	Feb 2052	$2,528.27	—	$1,982.67	$545.60	$98,744.07
317	Mar 2052	$2,528.27	—	$1,993.41	$534.86	$96,750.66
318	Apr 2052	$2,528.27	—	$2,004.21	$524.07	$94,746.45
319	May 2052	$2,528.27	—	$2,015.06	$513.21	$92,731.39
320	Jun 2052	$2,528.27	—	$2,025.98	$502.30	$90,705.41
321	Jul 2052	$2,528.27	—	$2,036.95	$491.32	$88,668.46
322	Aug 2052	$2,528.27	—	$2,047.98	$480.29	$86,620.48
323	Sep 2052	$2,528.27	—	$2,059.08	$469.19	$84,561.40
324	Oct 2052	$2,528.27	—	$2,070.23	$458.04	$82,491.17
325	Nov 2052	$2,528.27	—	$2,081.44	$446.83	$80,409.72
326	Dec 2052	$2,528.27	—	$2,092.72	$435.55	$78,317.01
327	Jan 2053	$2,528.27	—	$2,104.05	$424.22	$76,212.95
328	Feb 2053	$2,528.27	—	$2,115.45	$412.82	$74,097.50
329	Mar 2053	$2,528.27	—	$2,126.91	$401.36	$71,970.59
330	Apr 2053	$2,528.27	—	$2,138.43	$389.84	$69,832.16
331	May 2053	$2,528.27	—	$2,150.01	$378.26	$67,682.14
332	Jun 2053	$2,528.27	—	$2,161.66	$366.61	$65,520.48
333	Jul 2053	$2,528.27	—	$2,173.37	$354.90	$63,347.11
334	Aug 2053	$2,528.27	—	$2,185.14	$343.13	$61,161.97
335	Sep 2053	$2,528.27	—	$2,196.98	$331.29	$58,964.99
336	Oct 2053	$2,528.27	—	$2,208.88	$319.39	$56,756.11
337	Nov 2053	$2,528.27	—	$2,220.84	$307.43	$54,535.27
338	Dec 2053	$2,528.27	—	$2,232.87	$295.40	$52,302.40
339	Jan 2054	$2,528.27	—	$2,244.97	$283.30	$50,057.43
340	Feb 2054	$2,528.27	—	$2,257.13	$271.14	$47,800.30
341	Mar 2054	$2,528.27	—	$2,269.35	$258.92	$45,530.95
342	Apr 2054	$2,528.27	—	$2,281.65	$246.63	$43,249.30
343	May 2054	$2,528.27	—	$2,294.01	$234.27	$40,955.30
344	Jun 2054	$2,528.27	—	$2,306.43	$221.84	$38,648.87
345	Jul 2054	$2,528.27	—	$2,318.92	$209.35	$36,329.94
346	Aug 2054	$2,528.27	—	$2,331.48	$196.79	$33,998.46
347	Sep 2054	$2,528.27	—	$2,344.11	$184.16	$31,654.34
348	Oct 2054	$2,528.27	—	$2,356.81	$171.46	$29,297.53
349	Nov 2054	$2,528.27	—	$2,369.58	$158.69	$26,927.96
350	Dec 2054	$2,528.27	—	$2,382.41	$145.86	$24,545.54
351	Jan 2055	$2,528.27	—	$2,395.32	$132.96	$22,150.23
352	Feb 2055	$2,528.27	—	$2,408.29	$119.98	$19,741.93
353	Mar 2055	$2,528.27	—	$2,421.34	$106.94	$17,320.60
354	Apr 2055	$2,528.27	—	$2,434.45	$93.82	$14,886.15
355	May 2055	$2,528.27	—	$2,447.64	$80.63	$12,438.51
356	Jun 2055	$2,528.27	—	$2,460.90	$67.38	$9,977.61
357	Jul 2055	$2,528.27	—	$2,474.23	$54.05	$7,503.38
358	Aug 2055	$2,528.27	—	$2,487.63	$40.64	$5,015.75
359	Sep 2055	$2,528.27	—	$2,501.10	$27.17	$2,514.65
360	Oct 2055	$2,528.27	—	$2,514.65	$13.62	$0.00

Showing 360 payments from Nov 2025 to Oct 2055.

Understanding your mortgage payoff and amortization schedule

A mortgage amortization schedule is a month-by-month breakdown of how your loan balance drops over time. Each payment is split between interest (the cost of borrowing) and principal (the amount that actually pays down your loan). Early in the schedule, most of your payment goes to interest because the balance is still high. As the balance falls, a larger share of each payment goes toward principal.

How monthly payments are split between principal and interest

For a fixed-rate mortgage, your required monthly payment stays the same, but the mix of interest and principal inside that payment changes every month. Interest is calculated as a percentage of your remaining balance, so the interest portion slowly shrinks while the principal portion grows. The amortization table in this tool shows that split for every payment, along with the remaining balance after each month.

Why total interest on a 30-year loan is so large

Stretching a loan over 30 years keeps the monthly payment manageable, but it also means you pay interest for a very long time. Even a modest interest rate can generate a large total interest cost when applied to a big balance for hundreds of months. By comparing the total interest on a 30-year term vs. a shorter term in this calculator, you can see how much more you pay over time just for the convenience of a lower monthly payment.

15-year vs. 30-year mortgages

A 15-year mortgage generally comes with a lower interest rate and a much shorter payoff horizon, but the monthly payment can be significantly higher. A 30-year mortgage spreads the same principal over twice as many payments, so the monthly payment is lower but total interest is higher. This calculator lets you experiment with each option and see how the payment, total interest, and payoff dates change.

How extra payments reduce interest and shorten payoff time

Any extra money you send beyond the required payment goes directly toward principal, which lowers your balance faster. Because interest is calculated on that balance, every extra dollar you pay today reduces the interest charged in future months. Regular extra monthly payments can shave off years from your payoff date, and a one-time lump sum can noticeably reduce your remaining term even if your required payment stays the same.

Use the extra-payment options in this tool to compare a standard mortgage schedule with one that includes additional payments. You can see both the interest saved and how many months earlier the payoff date arrives. This makes it easier to decide whether to focus on extra principal payments, savings goals, or other priorities.

This tool is for estimates only

This calculator is designed for quick, educational estimates and does not replace official numbers from your lender. Your actual payment and payoff schedule may differ based on exact closing dates, escrow, insurance, taxes, and lender-specific rules. Always confirm details with your mortgage company before making major financial decisions.

If you are planning around dates or milestones, tools like the Time Duration Calculator can help you work backward from a target date. You can always return to the LifeHackToolbox homepage to explore other calculators as they are added.