About MortgageAmortizationCalc.com
MortgageAmortizationCalc.com is an independent site with one job: show homeowners and homebuyers exactly where every dollar of a mortgage payment goes, month by month, for the full life of the loan. No login, no paywall, no lead form required just to see your own numbers.
Why This Site Exists
Most mortgage calculators online show you a single monthly payment number and stop there. That number is useful, but it hides the more important story: how much of that payment is interest versus principal, how that split changes over 15 or 30 years, and how much control you actually have over the total cost of the loan through extra payments, recasting, or refinancing. This site was built to make that full picture visible and easy to explore, for free.
Who Builds This
Sukie Gao
Sukie Gao builds independent mortgage calculators that show homeowners what a loan actually costs over time, from standard amortization schedules to HUD-based reverse mortgage estimates. MortgageAmortizationCalc.com is written and maintained by Sukie, with every formula checked by hand and every lending rule linked to the agency that sets it.
More from Sukie →How We Keep the Math Accurate
Every forward-mortgage calculator on this site runs on the same standard fixed-rate amortization formula lenders use to generate your closing disclosure and payment schedule. The reverse mortgage calculators use HUD's own published principal limit factor table and the FHA fee rules in 24 CFR Part 206. We don't approximate or round early — every monthly row is calculated in full, so the totals you see here should match what you'd get from your own lender for the same inputs. If you want to see the exact formula and worked-through math, our calculation methodology page walks through it step by step.
How This Content Is Produced
Articles on this site are researched with AI assistance and reviewed, fact-checked, and edited by Sukie Gao before publication. Every formula is independently verified against known reference calculations before it goes live, and every outbound source we cite links to a primary, authoritative source rather than another blog or calculator site.
What This Site Is Not
MortgageAmortizationCalc.comis an educational tool, not a lender, broker, or financial advisor. The numbers here are estimates to help you understand and compare scenarios — always confirm final figures with your lender's official loan estimate or closing disclosure before making a financial decision. See our Terms of Service for full details.
How We Decide What to Cover
Every calculator and page on this site starts from a real search — a question people are actually typing into Google about mortgage amortization, not a topic we assumed would be interesting. We research search volume and existing coverage before writing anything, then build the calculator or article to answer that specific question more completely and more accurately than what's already ranking. If a topic doesn't have real search demand behind it, we don't publish it just to pad the site — every page here is meant to be used, not just crawled.
Our Editorial Standards
We hold every page on this site to the same bar, regardless of how much traffic it gets:
- Every formula is checked against a hand calculation and against published amortization tables before publishing — not just trusted to run correctly.
- Every worked example uses real, computed numbers from our own calculation engine, never estimated or rounded for convenience.
- Every factual claim about lending rules, PMI, escrow, or regulations cites a primary source — the Consumer Financial Protection Bureau, Freddie Mac, or another authoritative institution — rather than repeating what another blog or calculator site says.
- Articles on this site are researched and drafted with AI assistance, and every draft is reviewed and edited by Sukie Gao before it goes live — every formula checked against published amortization tables.
- We revisit and update pages periodically rather than publishing once and leaving them untouched — you'll find a "last reviewed" date on every page.
How This Site Makes Money
MortgageAmortizationCalc.com is free and is meant to be supported by display advertising. It has no lender, broker or referral partnerships: nobody pays to be mentioned, and no link on the site earns a commission. If that ever changes, those links will be labeled as paid. Advertising will never change the math a calculator shows you. Full detail is in our Terms of Service and Privacy Policy.
Questions, corrections, or feedback? Visit our Contact page — we read every message.