Mortgage amortization calculator

Your amortization schedule will show you how much of your monthly mortgage payments you spend toward principal and interest.

Monthly principal & interest

$1,604

30-year fixed loan term

See how your payments change over time for your 30-year fixed loan term

At year 0

30 year fixed loan term

Remaining

$240,000

Principal Paid

Interest Paid

Year 0

drag me

Years

Payment date	Principal	Interest	Balance
July '24	$0	$0	$240,000
August '24	$195	$1,410	$239,805
September '24	$196	$1,408	$239,609
October '24	$197	$1,407	$239,412
November '24	$198	$1,406	$239,214
December '24	$199	$1,405	$239,014
January '25	$201	$1,404	$238,813
February '25	$202	$1,403	$238,612
March '25	$203	$1,401	$238,409
April '25	$204	$1,400	$238,204
May '25	$205	$1,399	$237,999
June '25	$207	$1,398	$237,792
July '25	$208	$1,397	$237,585
August '25	$209	$1,395	$237,375
September '25	$210	$1,394	$237,165
October '25	$212	$1,393	$236,954
November '25	$213	$1,392	$236,741
December '25	$214	$1,390	$236,527
January '26	$215	$1,389	$236,312
February '26	$217	$1,388	$236,095
March '26	$218	$1,387	$235,877
April '26	$219	$1,385	$235,658
May '26	$220	$1,384	$235,438
June '26	$222	$1,383	$235,216
July '26	$223	$1,382	$234,993
August '26	$224	$1,380	$234,769
September '26	$226	$1,379	$234,543
October '26	$227	$1,378	$234,316
November '26	$228	$1,376	$234,088
December '26	$230	$1,375	$233,859
January '27	$231	$1,374	$233,628
February '27	$232	$1,372	$233,395
March '27	$234	$1,371	$233,162
April '27	$235	$1,369	$232,927
May '27	$236	$1,368	$232,690
June '27	$238	$1,367	$232,452
July '27	$239	$1,365	$232,213
August '27	$241	$1,364	$231,973
September '27	$242	$1,362	$231,731
October '27	$243	$1,361	$231,487
November '27	$245	$1,360	$231,242
December '27	$246	$1,358	$230,996
January '28	$248	$1,357	$230,748
February '28	$249	$1,355	$230,499
March '28	$251	$1,354	$230,248
April '28	$252	$1,352	$229,996
May '28	$254	$1,351	$229,743
June '28	$255	$1,349	$229,487
July '28	$257	$1,348	$229,231
August '28	$258	$1,346	$228,973
September '28	$260	$1,345	$228,713
October '28	$261	$1,343	$228,452
November '28	$263	$1,342	$228,189
December '28	$264	$1,340	$227,925
January '29	$266	$1,339	$227,659
February '29	$267	$1,337	$227,392
March '29	$269	$1,336	$227,123
April '29	$271	$1,334	$226,852
May '29	$272	$1,332	$226,580
June '29	$274	$1,331	$226,307
July '29	$275	$1,329	$226,031
August '29	$277	$1,328	$225,754
September '29	$279	$1,326	$225,476
October '29	$280	$1,324	$225,196
November '29	$282	$1,323	$224,914
December '29	$283	$1,321	$224,630
January '30	$285	$1,319	$224,345
February '30	$287	$1,318	$224,058
March '30	$289	$1,316	$223,770
April '30	$290	$1,314	$223,480
May '30	$292	$1,313	$223,188
June '30	$294	$1,311	$222,894
July '30	$295	$1,309	$222,599
August '30	$297	$1,307	$222,302
September '30	$299	$1,306	$222,003
October '30	$301	$1,304	$221,702
November '30	$302	$1,302	$221,400
December '30	$304	$1,300	$221,096
January '31	$306	$1,299	$220,790
February '31	$308	$1,297	$220,482
March '31	$310	$1,295	$220,173
April '31	$311	$1,293	$219,862
May '31	$313	$1,291	$219,548
June '31	$315	$1,289	$219,233
July '31	$317	$1,288	$218,917
August '31	$319	$1,286	$218,598
September '31	$321	$1,284	$218,277
October '31	$322	$1,282	$217,955
November '31	$324	$1,280	$217,631
December '31	$326	$1,278	$217,304
January '32	$328	$1,276	$216,976
February '32	$330	$1,274	$216,646
March '32	$332	$1,272	$216,314
April '32	$334	$1,270	$215,980
May '32	$336	$1,269	$215,644
June '32	$338	$1,267	$215,306
July '32	$340	$1,265	$214,966
August '32	$342	$1,263	$214,624
September '32	$344	$1,261	$214,280
October '32	$346	$1,259	$213,934
November '32	$348	$1,257	$213,586
December '32	$350	$1,254	$213,236
January '33	$352	$1,252	$212,884
February '33	$354	$1,250	$212,530
March '33	$356	$1,248	$212,174
April '33	$358	$1,246	$211,816
May '33	$360	$1,244	$211,455
June '33	$363	$1,242	$211,093
July '33	$365	$1,240	$210,728
August '33	$367	$1,238	$210,361
September '33	$369	$1,236	$209,992
October '33	$371	$1,233	$209,621
November '33	$373	$1,231	$209,248
December '33	$375	$1,229	$208,873
January '34	$378	$1,227	$208,495
February '34	$380	$1,225	$208,115
March '34	$382	$1,222	$207,733
April '34	$384	$1,220	$207,348
May '34	$387	$1,218	$206,962
June '34	$389	$1,216	$206,573
July '34	$391	$1,213	$206,182
August '34	$393	$1,211	$205,788
September '34	$396	$1,209	$205,392
October '34	$398	$1,206	$204,994
November '34	$400	$1,204	$204,594
December '34	$403	$1,202	$204,191
January '35	$405	$1,199	$203,786
February '35	$408	$1,197	$203,378
March '35	$410	$1,195	$202,968
April '35	$412	$1,192	$202,556
May '35	$415	$1,190	$202,141
June '35	$417	$1,187	$201,724
July '35	$420	$1,185	$201,304
August '35	$422	$1,182	$200,882
September '35	$425	$1,180	$200,457
October '35	$427	$1,177	$200,030
November '35	$430	$1,175	$199,601
December '35	$432	$1,172	$199,168
January '36	$435	$1,170	$198,734
February '36	$437	$1,167	$198,297
March '36	$440	$1,165	$197,857
April '36	$442	$1,162	$197,414
May '36	$445	$1,159	$196,969
June '36	$448	$1,157	$196,522
July '36	$450	$1,154	$196,072
August '36	$453	$1,152	$195,619
September '36	$456	$1,149	$195,163
October '36	$458	$1,146	$194,705
November '36	$461	$1,144	$194,244
December '36	$464	$1,141	$193,780
January '37	$466	$1,138	$193,314
February '37	$469	$1,135	$192,845
March '37	$472	$1,133	$192,373
April '37	$475	$1,130	$191,899
May '37	$477	$1,127	$191,421
June '37	$480	$1,124	$190,941
July '37	$483	$1,121	$190,458
August '37	$486	$1,119	$189,972
September '37	$489	$1,116	$189,483
October '37	$492	$1,113	$188,992
November '37	$494	$1,110	$188,497
December '37	$497	$1,107	$188,000
January '38	$500	$1,104	$187,500
February '38	$503	$1,101	$186,997
March '38	$506	$1,098	$186,490
April '38	$509	$1,095	$185,981
May '38	$512	$1,092	$185,469
June '38	$515	$1,089	$184,954
July '38	$518	$1,086	$184,436
August '38	$521	$1,083	$183,915
September '38	$524	$1,080	$183,390
October '38	$527	$1,077	$182,863
November '38	$530	$1,074	$182,332
December '38	$534	$1,071	$181,799
January '39	$537	$1,068	$181,262
February '39	$540	$1,065	$180,722
March '39	$543	$1,061	$180,179
April '39	$546	$1,058	$179,633
May '39	$549	$1,055	$179,084
June '39	$553	$1,052	$178,531
July '39	$556	$1,049	$177,975
August '39	$559	$1,045	$177,416
September '39	$562	$1,042	$176,853
October '39	$566	$1,039	$176,288
November '39	$569	$1,035	$175,719
December '39	$572	$1,032	$175,146
January '40	$576	$1,029	$174,570
February '40	$579	$1,025	$173,991
March '40	$583	$1,022	$173,409
April '40	$586	$1,018	$172,823
May '40	$589	$1,015	$172,233
June '40	$593	$1,012	$171,640
July '40	$596	$1,008	$171,044
August '40	$600	$1,005	$170,444
September '40	$603	$1,001	$169,841
October '40	$607	$998	$169,234
November '40	$611	$994	$168,623
December '40	$614	$990	$168,009
January '41	$618	$987	$167,392
February '41	$621	$983	$166,770
March '41	$625	$979	$166,145
April '41	$629	$976	$165,517
May '41	$632	$972	$164,884
June '41	$636	$968	$164,248
July '41	$640	$965	$163,608
August '41	$644	$961	$162,965
September '41	$647	$957	$162,318
October '41	$651	$953	$161,666
November '41	$655	$950	$161,012
December '41	$659	$946	$160,353
January '42	$663	$942	$159,690
February '42	$667	$938	$159,024
March '42	$670	$934	$158,353
April '42	$674	$930	$157,679
May '42	$678	$926	$157,000
June '42	$682	$922	$156,318
July '42	$686	$918	$155,632
August '42	$690	$914	$154,941
September '42	$694	$910	$154,247
October '42	$699	$906	$153,548
November '42	$703	$902	$152,846
December '42	$707	$898	$152,139
January '43	$711	$894	$151,428
February '43	$715	$889	$150,713
March '43	$719	$885	$149,994
April '43	$724	$881	$149,270
May '43	$728	$877	$148,542
June '43	$732	$872	$147,810
July '43	$736	$868	$147,074
August '43	$741	$864	$146,333
September '43	$745	$859	$145,588
October '43	$749	$855	$144,839
November '43	$754	$851	$144,085
December '43	$758	$846	$143,327
January '44	$763	$842	$142,564
February '44	$767	$837	$141,797
March '44	$772	$833	$141,025
April '44	$776	$828	$140,249
May '44	$781	$824	$139,468
June '44	$785	$819	$138,683
July '44	$790	$815	$137,893
August '44	$795	$810	$137,099
September '44	$799	$805	$136,299
October '44	$804	$801	$135,495
November '44	$809	$796	$134,687
December '44	$813	$791	$133,873
January '45	$818	$786	$133,055
February '45	$823	$781	$132,232
March '45	$828	$777	$131,404
April '45	$833	$772	$130,572
May '45	$838	$767	$129,734
June '45	$842	$762	$128,892
July '45	$847	$757	$128,044
August '45	$852	$752	$127,192
September '45	$857	$747	$126,334
October '45	$862	$742	$125,472
November '45	$868	$737	$124,604
December '45	$873	$732	$123,732
January '46	$878	$727	$122,854
February '46	$883	$722	$121,971
March '46	$888	$716	$121,083
April '46	$893	$711	$120,190
May '46	$899	$706	$119,291
June '46	$904	$701	$118,387
July '46	$909	$695	$117,478
August '46	$914	$690	$116,564
September '46	$920	$685	$115,644
October '46	$925	$679	$114,718
November '46	$931	$674	$113,788
December '46	$936	$668	$112,852
January '47	$942	$663	$111,910
February '47	$947	$657	$110,963
March '47	$953	$652	$110,010
April '47	$958	$646	$109,052
May '47	$964	$640	$108,088
June '47	$970	$635	$107,118
July '47	$975	$629	$106,143
August '47	$981	$623	$105,162
September '47	$987	$618	$104,175
October '47	$993	$612	$103,182
November '47	$998	$606	$102,184
December '47	$1,004	$600	$101,179
January '48	$1,010	$594	$100,169
February '48	$1,016	$588	$99,153
March '48	$1,022	$582	$98,131
April '48	$1,028	$576	$97,103
May '48	$1,034	$570	$96,069
June '48	$1,040	$564	$95,029
July '48	$1,046	$558	$93,982
August '48	$1,052	$552	$92,930
September '48	$1,059	$546	$91,871
October '48	$1,065	$540	$90,806
November '48	$1,071	$533	$89,735
December '48	$1,077	$527	$88,658
January '49	$1,084	$521	$87,574
February '49	$1,090	$514	$86,484
March '49	$1,097	$508	$85,387
April '49	$1,103	$502	$84,284
May '49	$1,109	$495	$83,175
June '49	$1,116	$489	$82,059
July '49	$1,123	$482	$80,936
August '49	$1,129	$475	$79,807
September '49	$1,136	$469	$78,672
October '49	$1,142	$462	$77,529
November '49	$1,149	$455	$76,380
December '49	$1,156	$449	$75,224
January '50	$1,163	$442	$74,061
February '50	$1,169	$435	$72,892
March '50	$1,176	$428	$71,716
April '50	$1,183	$421	$70,532
May '50	$1,190	$414	$69,342
June '50	$1,197	$407	$68,145
July '50	$1,204	$400	$66,941
August '50	$1,211	$393	$65,729
September '50	$1,218	$386	$64,511
October '50	$1,226	$379	$63,285
November '50	$1,233	$372	$62,053
December '50	$1,240	$364	$60,813
January '51	$1,247	$357	$59,565
February '51	$1,255	$350	$58,311
March '51	$1,262	$342	$57,049
April '51	$1,269	$335	$55,779
May '51	$1,277	$328	$54,502
June '51	$1,284	$320	$53,218
July '51	$1,292	$313	$51,926
August '51	$1,299	$305	$50,627
September '51	$1,307	$297	$49,320
October '51	$1,315	$290	$48,005
November '51	$1,323	$282	$46,682
December '51	$1,330	$274	$45,352
January '52	$1,338	$266	$44,014
February '52	$1,346	$259	$42,668
March '52	$1,354	$251	$41,314
April '52	$1,362	$243	$39,952
May '52	$1,370	$235	$38,582
June '52	$1,378	$227	$37,205
July '52	$1,386	$219	$35,819
August '52	$1,394	$210	$34,424
September '52	$1,402	$202	$33,022
October '52	$1,411	$194	$31,612
November '52	$1,419	$186	$30,193
December '52	$1,427	$177	$28,766
January '53	$1,436	$169	$27,330
February '53	$1,444	$161	$25,886
March '53	$1,452	$152	$24,434
April '53	$1,461	$144	$22,973
May '53	$1,470	$135	$21,503
June '53	$1,478	$126	$20,025
July '53	$1,487	$118	$18,538
August '53	$1,496	$109	$17,043
September '53	$1,504	$100	$15,538
October '53	$1,513	$91	$14,025
November '53	$1,522	$82	$12,503
December '53	$1,531	$73	$10,972
January '54	$1,540	$64	$9,432
February '54	$1,549	$55	$7,883
March '54	$1,558	$46	$6,325
April '54	$1,567	$37	$4,757
May '54	$1,577	$28	$3,181
June '54	$1,586	$19	$1,595
July '54	$1,595	$9	$0

Amortization schedule

See how your payments change over time for your 30-year fixed loan term

At year 0

30 year fixed loan term

Remaining

$240,000

Principal Paid

Interest Paid

Year 0

drag me

Years

Breakdown

Payment date	Principal	Interest	Balance
July '24	$0	$0	$240,000
August '24	$195	$1,410	$239,805
September '24	$196	$1,408	$239,609
October '24	$197	$1,407	$239,412
November '24	$198	$1,406	$239,214
December '24	$199	$1,405	$239,014
January '25	$201	$1,404	$238,813
February '25	$202	$1,403	$238,612
March '25	$203	$1,401	$238,409
April '25	$204	$1,400	$238,204
May '25	$205	$1,399	$237,999
June '25	$207	$1,398	$237,792
July '25	$208	$1,397	$237,585
August '25	$209	$1,395	$237,375
September '25	$210	$1,394	$237,165
October '25	$212	$1,393	$236,954
November '25	$213	$1,392	$236,741
December '25	$214	$1,390	$236,527
January '26	$215	$1,389	$236,312
February '26	$217	$1,388	$236,095
March '26	$218	$1,387	$235,877
April '26	$219	$1,385	$235,658
May '26	$220	$1,384	$235,438
June '26	$222	$1,383	$235,216
July '26	$223	$1,382	$234,993
August '26	$224	$1,380	$234,769
September '26	$226	$1,379	$234,543
October '26	$227	$1,378	$234,316
November '26	$228	$1,376	$234,088
December '26	$230	$1,375	$233,859
January '27	$231	$1,374	$233,628
February '27	$232	$1,372	$233,395
March '27	$234	$1,371	$233,162
April '27	$235	$1,369	$232,927
May '27	$236	$1,368	$232,690
June '27	$238	$1,367	$232,452
July '27	$239	$1,365	$232,213
August '27	$241	$1,364	$231,973
September '27	$242	$1,362	$231,731
October '27	$243	$1,361	$231,487
November '27	$245	$1,360	$231,242
December '27	$246	$1,358	$230,996
January '28	$248	$1,357	$230,748
February '28	$249	$1,355	$230,499
March '28	$251	$1,354	$230,248
April '28	$252	$1,352	$229,996
May '28	$254	$1,351	$229,743
June '28	$255	$1,349	$229,487
July '28	$257	$1,348	$229,231
August '28	$258	$1,346	$228,973
September '28	$260	$1,345	$228,713
October '28	$261	$1,343	$228,452
November '28	$263	$1,342	$228,189
December '28	$264	$1,340	$227,925
January '29	$266	$1,339	$227,659
February '29	$267	$1,337	$227,392
March '29	$269	$1,336	$227,123
April '29	$271	$1,334	$226,852
May '29	$272	$1,332	$226,580
June '29	$274	$1,331	$226,307
July '29	$275	$1,329	$226,031
August '29	$277	$1,328	$225,754
September '29	$279	$1,326	$225,476
October '29	$280	$1,324	$225,196
November '29	$282	$1,323	$224,914
December '29	$283	$1,321	$224,630
January '30	$285	$1,319	$224,345
February '30	$287	$1,318	$224,058
March '30	$289	$1,316	$223,770
April '30	$290	$1,314	$223,480
May '30	$292	$1,313	$223,188
June '30	$294	$1,311	$222,894
July '30	$295	$1,309	$222,599
August '30	$297	$1,307	$222,302
September '30	$299	$1,306	$222,003
October '30	$301	$1,304	$221,702
November '30	$302	$1,302	$221,400
December '30	$304	$1,300	$221,096
January '31	$306	$1,299	$220,790
February '31	$308	$1,297	$220,482
March '31	$310	$1,295	$220,173
April '31	$311	$1,293	$219,862
May '31	$313	$1,291	$219,548
June '31	$315	$1,289	$219,233
July '31	$317	$1,288	$218,917
August '31	$319	$1,286	$218,598
September '31	$321	$1,284	$218,277
October '31	$322	$1,282	$217,955
November '31	$324	$1,280	$217,631
December '31	$326	$1,278	$217,304
January '32	$328	$1,276	$216,976
February '32	$330	$1,274	$216,646
March '32	$332	$1,272	$216,314
April '32	$334	$1,270	$215,980
May '32	$336	$1,269	$215,644
June '32	$338	$1,267	$215,306
July '32	$340	$1,265	$214,966
August '32	$342	$1,263	$214,624
September '32	$344	$1,261	$214,280
October '32	$346	$1,259	$213,934
November '32	$348	$1,257	$213,586
December '32	$350	$1,254	$213,236
January '33	$352	$1,252	$212,884
February '33	$354	$1,250	$212,530
March '33	$356	$1,248	$212,174
April '33	$358	$1,246	$211,816
May '33	$360	$1,244	$211,455
June '33	$363	$1,242	$211,093
July '33	$365	$1,240	$210,728
August '33	$367	$1,238	$210,361
September '33	$369	$1,236	$209,992
October '33	$371	$1,233	$209,621
November '33	$373	$1,231	$209,248
December '33	$375	$1,229	$208,873
January '34	$378	$1,227	$208,495
February '34	$380	$1,225	$208,115
March '34	$382	$1,222	$207,733
April '34	$384	$1,220	$207,348
May '34	$387	$1,218	$206,962
June '34	$389	$1,216	$206,573
July '34	$391	$1,213	$206,182
August '34	$393	$1,211	$205,788
September '34	$396	$1,209	$205,392
October '34	$398	$1,206	$204,994
November '34	$400	$1,204	$204,594
December '34	$403	$1,202	$204,191
January '35	$405	$1,199	$203,786
February '35	$408	$1,197	$203,378
March '35	$410	$1,195	$202,968
April '35	$412	$1,192	$202,556
May '35	$415	$1,190	$202,141
June '35	$417	$1,187	$201,724
July '35	$420	$1,185	$201,304
August '35	$422	$1,182	$200,882
September '35	$425	$1,180	$200,457
October '35	$427	$1,177	$200,030
November '35	$430	$1,175	$199,601
December '35	$432	$1,172	$199,168
January '36	$435	$1,170	$198,734
February '36	$437	$1,167	$198,297
March '36	$440	$1,165	$197,857
April '36	$442	$1,162	$197,414
May '36	$445	$1,159	$196,969
June '36	$448	$1,157	$196,522
July '36	$450	$1,154	$196,072
August '36	$453	$1,152	$195,619
September '36	$456	$1,149	$195,163
October '36	$458	$1,146	$194,705
November '36	$461	$1,144	$194,244
December '36	$464	$1,141	$193,780
January '37	$466	$1,138	$193,314
February '37	$469	$1,135	$192,845
March '37	$472	$1,133	$192,373
April '37	$475	$1,130	$191,899
May '37	$477	$1,127	$191,421
June '37	$480	$1,124	$190,941
July '37	$483	$1,121	$190,458
August '37	$486	$1,119	$189,972
September '37	$489	$1,116	$189,483
October '37	$492	$1,113	$188,992
November '37	$494	$1,110	$188,497
December '37	$497	$1,107	$188,000
January '38	$500	$1,104	$187,500
February '38	$503	$1,101	$186,997
March '38	$506	$1,098	$186,490
April '38	$509	$1,095	$185,981
May '38	$512	$1,092	$185,469
June '38	$515	$1,089	$184,954
July '38	$518	$1,086	$184,436
August '38	$521	$1,083	$183,915
September '38	$524	$1,080	$183,390
October '38	$527	$1,077	$182,863
November '38	$530	$1,074	$182,332
December '38	$534	$1,071	$181,799
January '39	$537	$1,068	$181,262
February '39	$540	$1,065	$180,722
March '39	$543	$1,061	$180,179
April '39	$546	$1,058	$179,633
May '39	$549	$1,055	$179,084
June '39	$553	$1,052	$178,531
July '39	$556	$1,049	$177,975
August '39	$559	$1,045	$177,416
September '39	$562	$1,042	$176,853
October '39	$566	$1,039	$176,288
November '39	$569	$1,035	$175,719
December '39	$572	$1,032	$175,146
January '40	$576	$1,029	$174,570
February '40	$579	$1,025	$173,991
March '40	$583	$1,022	$173,409
April '40	$586	$1,018	$172,823
May '40	$589	$1,015	$172,233
June '40	$593	$1,012	$171,640
July '40	$596	$1,008	$171,044
August '40	$600	$1,005	$170,444
September '40	$603	$1,001	$169,841
October '40	$607	$998	$169,234
November '40	$611	$994	$168,623
December '40	$614	$990	$168,009
January '41	$618	$987	$167,392
February '41	$621	$983	$166,770
March '41	$625	$979	$166,145
April '41	$629	$976	$165,517
May '41	$632	$972	$164,884
June '41	$636	$968	$164,248
July '41	$640	$965	$163,608
August '41	$644	$961	$162,965
September '41	$647	$957	$162,318
October '41	$651	$953	$161,666
November '41	$655	$950	$161,012
December '41	$659	$946	$160,353
January '42	$663	$942	$159,690
February '42	$667	$938	$159,024
March '42	$670	$934	$158,353
April '42	$674	$930	$157,679
May '42	$678	$926	$157,000
June '42	$682	$922	$156,318
July '42	$686	$918	$155,632
August '42	$690	$914	$154,941
September '42	$694	$910	$154,247
October '42	$699	$906	$153,548
November '42	$703	$902	$152,846
December '42	$707	$898	$152,139
January '43	$711	$894	$151,428
February '43	$715	$889	$150,713
March '43	$719	$885	$149,994
April '43	$724	$881	$149,270
May '43	$728	$877	$148,542
June '43	$732	$872	$147,810
July '43	$736	$868	$147,074
August '43	$741	$864	$146,333
September '43	$745	$859	$145,588
October '43	$749	$855	$144,839
November '43	$754	$851	$144,085
December '43	$758	$846	$143,327
January '44	$763	$842	$142,564
February '44	$767	$837	$141,797
March '44	$772	$833	$141,025
April '44	$776	$828	$140,249
May '44	$781	$824	$139,468
June '44	$785	$819	$138,683
July '44	$790	$815	$137,893
August '44	$795	$810	$137,099
September '44	$799	$805	$136,299
October '44	$804	$801	$135,495
November '44	$809	$796	$134,687
December '44	$813	$791	$133,873
January '45	$818	$786	$133,055
February '45	$823	$781	$132,232
March '45	$828	$777	$131,404
April '45	$833	$772	$130,572
May '45	$838	$767	$129,734
June '45	$842	$762	$128,892
July '45	$847	$757	$128,044
August '45	$852	$752	$127,192
September '45	$857	$747	$126,334
October '45	$862	$742	$125,472
November '45	$868	$737	$124,604
December '45	$873	$732	$123,732
January '46	$878	$727	$122,854
February '46	$883	$722	$121,971
March '46	$888	$716	$121,083
April '46	$893	$711	$120,190
May '46	$899	$706	$119,291
June '46	$904	$701	$118,387
July '46	$909	$695	$117,478
August '46	$914	$690	$116,564
September '46	$920	$685	$115,644
October '46	$925	$679	$114,718
November '46	$931	$674	$113,788
December '46	$936	$668	$112,852
January '47	$942	$663	$111,910
February '47	$947	$657	$110,963
March '47	$953	$652	$110,010
April '47	$958	$646	$109,052
May '47	$964	$640	$108,088
June '47	$970	$635	$107,118
July '47	$975	$629	$106,143
August '47	$981	$623	$105,162
September '47	$987	$618	$104,175
October '47	$993	$612	$103,182
November '47	$998	$606	$102,184
December '47	$1,004	$600	$101,179
January '48	$1,010	$594	$100,169
February '48	$1,016	$588	$99,153
March '48	$1,022	$582	$98,131
April '48	$1,028	$576	$97,103
May '48	$1,034	$570	$96,069
June '48	$1,040	$564	$95,029
July '48	$1,046	$558	$93,982
August '48	$1,052	$552	$92,930
September '48	$1,059	$546	$91,871
October '48	$1,065	$540	$90,806
November '48	$1,071	$533	$89,735
December '48	$1,077	$527	$88,658
January '49	$1,084	$521	$87,574
February '49	$1,090	$514	$86,484
March '49	$1,097	$508	$85,387
April '49	$1,103	$502	$84,284
May '49	$1,109	$495	$83,175
June '49	$1,116	$489	$82,059
July '49	$1,123	$482	$80,936
August '49	$1,129	$475	$79,807
September '49	$1,136	$469	$78,672
October '49	$1,142	$462	$77,529
November '49	$1,149	$455	$76,380
December '49	$1,156	$449	$75,224
January '50	$1,163	$442	$74,061
February '50	$1,169	$435	$72,892
March '50	$1,176	$428	$71,716
April '50	$1,183	$421	$70,532
May '50	$1,190	$414	$69,342
June '50	$1,197	$407	$68,145
July '50	$1,204	$400	$66,941
August '50	$1,211	$393	$65,729
September '50	$1,218	$386	$64,511
October '50	$1,226	$379	$63,285
November '50	$1,233	$372	$62,053
December '50	$1,240	$364	$60,813
January '51	$1,247	$357	$59,565
February '51	$1,255	$350	$58,311
March '51	$1,262	$342	$57,049
April '51	$1,269	$335	$55,779
May '51	$1,277	$328	$54,502
June '51	$1,284	$320	$53,218
July '51	$1,292	$313	$51,926
August '51	$1,299	$305	$50,627
September '51	$1,307	$297	$49,320
October '51	$1,315	$290	$48,005
November '51	$1,323	$282	$46,682
December '51	$1,330	$274	$45,352
January '52	$1,338	$266	$44,014
February '52	$1,346	$259	$42,668
March '52	$1,354	$251	$41,314
April '52	$1,362	$243	$39,952
May '52	$1,370	$235	$38,582
June '52	$1,378	$227	$37,205
July '52	$1,386	$219	$35,819
August '52	$1,394	$210	$34,424
September '52	$1,402	$202	$33,022
October '52	$1,411	$194	$31,612
November '52	$1,419	$186	$30,193
December '52	$1,427	$177	$28,766
January '53	$1,436	$169	$27,330
February '53	$1,444	$161	$25,886
March '53	$1,452	$152	$24,434
April '53	$1,461	$144	$22,973
May '53	$1,470	$135	$21,503
June '53	$1,478	$126	$20,025
July '53	$1,487	$118	$18,538
August '53	$1,496	$109	$17,043
September '53	$1,504	$100	$15,538
October '53	$1,513	$91	$14,025
November '53	$1,522	$82	$12,503
December '53	$1,531	$73	$10,972
January '54	$1,540	$64	$9,432
February '54	$1,549	$55	$7,883
March '54	$1,558	$46	$6,325
April '54	$1,567	$37	$4,757
May '54	$1,577	$28	$3,181
June '54	$1,586	$19	$1,595
July '54	$1,595	$9	$0

Compare loan types

Total principal: $240,000

Loan Term	30-year fixed Your Input	15-year fixed	30-year fixed
Total Monthly Payment	$2,040	$2,487	$2,040
Mortgage Rate	7.048%	6.2%*	7.048%*
Total interest paid	$337,609	$129,230	$337,609

* Data source: ©Zillow, Inc. 2006 - 2024. Use is subject to the Terms of Use

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What's behind the numbers in our mortgage amortization calculator

An amortization calculator enables you to take a snapshot of the interest and principal (the debt) paid in any month of the loan.

"Amortization" is a word for the way debt is repaid in a mortgage, where each monthly payment is the same (excluding taxes and insurance). In the beginning years, most of each payment goes toward interest and only a little goes to debt reduction. That ratio gradually changes, and it flips in the later years of the mortgage. This is amortization at work.

For example, if you get a $200,000 mortgage for 30 years with an interest rate of 4.25%, your monthly principal and interest payments will be $984:

With the first payment, $276 will go to principal (reducing the debt) and $708 will go to interest.
Fast-forward 10 years to the 120th payment and the payment is still $984, but $420 goes to principal and $564 goes to interest.
In the next-to-last payment, $977 goes to principal and $7 goes to interest.

What the mortgage amortization calculator does

Before you get a mortgage, you might want to know how much interest you will pay in total. If you already have a mortgage, you might want to know how much debt you've paid off and how much remains. Or you might want to compare different loan terms before refinancing. NerdWallet's mortgage amortization schedule calculator can help you do all of those things. It allows you to figure out:

How much a particular month's house payment goes toward principal and how much goes toward interest. This information is viewed on an "amortization schedule" — a table that breaks down each payment month by month.
How much interest you will pay over the life of the loan.
In any given month, how much you still owe.
How different terms, like a 30-year versus a 15-year, compare in monthly payments and interest paid over the life of the loan.

» CALCULATE: 15-year or 30-year mortgage?

How to use our mortgage amortization calculator

To get the most out of the mortgage amortization calculator, you can personalize it with your own numbers. Fill in the data fields to the right of the graph.

The data fields contain the following inputs:

Location.
The value or price of the home.
The mortgage interest rate.
The down payment (or, in the case of a refinance, the value of the home's equity).
The loan's term, from one to 30 years.

The calculator has four tabs:

"Amortization schedule" has the graph. Move the vertical slider to see how much you still owe and how much principal and interest you have paid at the end of each 12-month period.
"Breakdown" shows, month by month, the remaining loan balance after that payment has been made. On computers and tablets, it also displays a mortgage amortization table detailing the principal and interest paid each month.
"Monthly payment" shows the estimated monthly payment, including principal and interest, property taxes and homeowners insurance.
"Compare loan types" gives a side-by-side view of the monthly payments and total interest paid for three loans. From left to right, they are the mortgage whose interest rate and term you specified, and a 15-year and 30-year loan at today's mortgage rates.

How to interpret your results

By playing around with the mortgage amortization calculator, you can:

See how much money you would save in the long run by getting a shorter- term loan, whether you're buying or refinancing.
See how much principal you have paid at the end of each year.
Take the first step toward calculating how much equity you have, and whether you can cancel private mortgage insurance. Use the slider to see approximately how much principal you have paid. Add that to your down payment. If that sum is more than 20% of the home's value when you got the loan, you might be able to cancel mortgage insurance.

» MORE: Calculate how much you would save by refinancing

Can I use the mortgage amortization calculator for an adjustable rate mortgage?

Probably not. The initial interest rate term would be represented well on an amortization schedule, but after the teaser interest rate term ends, it would be difficult to account for future interest rate adjustments.

Any amortization schedule on an ARM is really just an estimate and subject to substantial change.

Why does it take so long to pay down my principal?

The simple answer is: The lender gets paid first. In the early years of your mortgage, your monthly loan payment is heavily weighted to paying interest. Just a tiny reduction of the principal loan balance occurs with each payment at this stage. The rest of the payment often goes to insurance, taxes and other expenses wrapped into the monthly amount due.

As years pass, you’ll begin to see more of your payment going to principal — a greater amount is reducing the debt and less is being spent on interest.

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