Sukie Gao
Founder & Editor, MortgageAmortizationCalc.com
Sukie Gao builds independent, ad-free-of-bias financial calculators focused on giving homeowners a clear, honest picture of what a mortgage actually costs over time. MortgageAmortizationCalc.com is written and maintained by Sukie, with every formula checked by hand against published amortization tables before publishing.
Every calculator and article published under this byline goes through the same process: draft with AI research assistance, verify every formula against a hand calculation and published amortization tables, cite primary sources (the Consumer Financial Protection Bureau, Freddie Mac's Primary Mortgage Market Survey) rather than secondhand summaries, and revisit periodically to keep numbers current. See the About page for the full editorial process and how this site decides what to cover.
Calculators & Articles by Sukie
- Mortgage Amortization Calculator
The full-featured flagship calculator: principal, interest, PMI, taxes, insurance, HOA, extra payments, and biweekly schedules in one tool.
- Mortgage Calculator With Extra Payments
Model exactly how much time and interest a specific extra monthly or lump-sum payment saves.
- Principal and Interest Calculator for Mortgage
Isolates the pure loan math — no taxes, insurance, or PMI mixed in — for comparing lender quotes apples-to-apples.
- Amortization Mortgage Calculator With Taxes and Insurance
The full PITI breakdown showing exactly where every dollar of a real monthly housing payment goes.
- Mortgage Recast Calculator
See how a lump-sum payment lowers your monthly payment without changing your rate or payoff date.
- Balloon Mortgage Amortization Calculator
Monthly payment and the lump sum due at an early balloon date, for commercial and seller-financed loans.
- 30-Year Mortgage Amortization Schedule
How a 30-year schedule front-loads interest, with a side-by-side comparison against a 15-year term.
- 15-Year Mortgage Amortization Schedule
The 15-vs-30 year tradeoff in real numbers — higher payment now versus far less lifetime interest.
- Refinance Amortization Calculator
Compares your current loan to a proposed refinance: monthly savings, break-even month, and lifetime interest.
- How Mortgage Amortization Is Calculated
The exact formula behind every calculator on this site, worked by hand step by step.
- Mortgage Amortization Calculator Excel Template
A downloadable schedule plus the exact PMT/IPMT/PPMT Excel formulas to build your own.
- Reverse Mortgage Calculator
How a reverse mortgage balance grows over time — the mirror image of standard amortization.
- Reverse Mortgage Purchase Calculator
HECM for Purchase math: buying a new home with a reverse mortgage instead of converting existing equity.
- Jumbo Reverse Mortgage Calculator
Proprietary reverse mortgages for high-value homes above the FHA HECM lending limit.
- Reverse Mortgage Line of Credit Calculator
How an undrawn HECM line of credit's available capacity grows over time.
What This Author Covers
Every page under this byline concerns one topic — mortgage amortization — approached from a different angle: the standard fixed-rate schedule, extra-payment scenarios, full PITI breakdowns, recasting, balloon structures, term-length comparisons, and refinancing math. New calculators are added when real search data shows people looking for a specific scenario this site doesn't yet cover, not on a fixed publishing schedule.
How Each Page Gets Written
The process is the same for every page, regardless of topic: identify a real search query with genuine volume behind it, build or extend a calculator that answers it completely, write the surrounding explanation with concrete worked examples rather than generic advice, verify every number against the site's own calculation engine and against a hand calculation, and cite a primary source — the CFPB, Freddie Mac's rate survey, or another authoritative institution — for any claim about lending rules or regulations. Nothing gets published just to fill out a page count.
Why the Math Can Be Trusted
Every calculator on this site runs on one shared engine, not a separate implementation per page — so a formula fix or improvement benefits every page at once, and there's only one place for a bug to hide rather than nine. That engine was verified against textbook amortization examples before the first page was published, and every new feature (PMI drop-off, biweekly acceleration, recast math, balloon schedules) was checked the same way before shipping.
Corrections and Feedback
Spotted a number that doesn't match your own math, or a claim that needs a source? Every article here is actively maintained, not published once and forgotten. Reach out through the Contact page and corrections typically go live within a few days of being verified.
A Note on Privacy
This byline intentionally keeps personal details generic — you'll find a real name, a real photo, and a documented, consistent editorial process across every page, but not a detailed personal history. What's verifiable is the work itself: every formula, every worked example, and every cited source on this site can be checked independently against the methodology page and against the primary sources linked throughout.
That trade-off is deliberate: rather than asking readers to trust a biography, this site is built so every claim can be checked directly — run the same numbers through the calculator, compare the formula against the methodology page, or follow a citation back to its original source. If those checks hold up consistently across every page, that consistency is the actual credential.