Sukie Gao

Extra monthly, yearly and one-time payments, and how much time and interest each saves.

The pure loan payment with taxes, insurance and PMI left out, for comparing lender quotes.

The full PITI payment, including when PMI can be cancelled and when it ends on its own.

A lump sum re-amortized into a lower payment, with the before-and-after schedule.

Payment, balloon amount and full schedule for any balloon date, including interest-only.

How a 30-year schedule front-loads interest, year by year.

The 15-year schedule: a higher payment and far less lifetime interest.

Current loan vs. a refinance: monthly savings, break-even month and lifetime cost.

The formula behind every calculator here, worked by hand step by step.

A downloadable schedule plus the PMT, IPMT and PPMT formulas to build your own.

15 year mortgage calculator with full payment and interest math: see monthly payment, lifetime interest, and how a 15-year term compares against a 30-year loan.

Amortization schedule with balloon payment: how the table is built, how to read the final row, and a worked $300,000 example with the exact month-60 payoff.

Mortgage amortization formula explained variable by variable: the payment equation, the per-month interest split, the remaining-balance formula, and a worked $400,000 example.

Mortgage calculator with PMI taxes and insurance built in — stack principal, interest, escrowed property tax, homeowners insurance, PMI and HOA into one real monthly number, and see exactly when PMI drops off.

Amortization schedule with extra payments, row by row: see exactly which month your extra $100, $200 or $500 removes from the end of the loan, and what it saves.

Mortgage calculator with extra payments and lump sum modeling: see how a $300 monthly extra, a one-time $25,000 payment, or both together change your payoff date and total interest.

Interest only mortgage calculator and the number that matters more than the low payment: what your payment jumps to when the interest-only period ends.

Land contract balloon payment calculator with a worked $180,000 contract-for-deed example: monthly payment, the exact balloon owed at year five, and the legal cautions that come with it.

Early mortgage payoff calculator showing what each extra amount buys in years and dollars — plus the four situations where paying the mortgage off early is the wrong move.

15 year vs 30 year mortgage calculator: the payment gap, the $312,283 interest gap, and the third option that beats both for most borrowers.

Mortgage recast vs refinance calculator: which one lowers your payment more, what each costs, and the rate threshold where the answer flips.

Biweekly mortgage payment calculator plus the thing the sales pitch leaves out: the savings come from one extra payment a year, and you can make it for free.

Mortgage amortization schedule explained row by row: a real 360-month example at this week's 7.40% rate, what each column means, the crossover month, and how extra payments rewrite it.

30 year mortgage calculator with payment tables at Freddie Mac's October 2026 average of 7.40%, equity after 5 and 10 years, and PMI timing.

HECM for Purchase: the down payment needed to buy a home with a reverse mortgage.

Homes above the FHA limit: what a HECM leaves on the table and what jumbo loans change.

How an unused HECM line of credit grows each year.

Reverse mortgage amortization calculator showing how your loan balance grows every year from interest and MIP — the opposite of a normal payoff schedule. Free, no signup.

HECM reverse mortgage calculator for FHA-insured Home Equity Conversion Mortgages — model your growing balance, MIP, and available funds. Free, no signup.

Reverse mortgage eligibility calculator: check the age, equity, and financial requirements, then project how much you could actually borrow. Free, no signup.

Reverse mortgage refinance calculator: model how a new HECM balance would grow after refinancing an existing reverse mortgage. Free, no signup.

Reverse mortgage closing cost calculator: see the origination fee, upfront MIP, and other fees added to your loan balance at closing. Free, no signup.

Reverse mortgage monthly payment calculator explaining why there's no single payment number — and how age, rate, home value, and payout choice set what you receive.

HECM for purchase calculator for the FHA's H4P program — estimate the required down payment, model your loan balance, and see how buying with a reverse mortgage works.

Reverse mortgage interest calculator — see how fixed and adjustable HECM rates are built (index + margin + MIP), how interest compounds, and what it totals over 10-20 years.

Reverse mortgage lump sum calculator: project what a one-time HECM draw costs over 15 years versus gradual withdrawals, and see the 60% first-year cap.

Reverse mortgage equity calculator answering both questions at once: how much equity you need to qualify, and how much you'll have left at years 5, 10, and 15.

Reverse mortgage formula, both halves of it: Principal Limit = Maximum Claim Amount × Principal Limit Factor for what you can borrow, and B = P(1+r)^n for how fast the balance compounds. Worked at 5, 10, 15 and 20 years.