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Free Mortgage Calculator and Amortization Schedule for Mortgages
This free tool can be used to show you how much equity you have in your mortgage, as well as show you what to expect for a mortgage refinance. If you have an adjustable rate mortgage (ARM) renewing, mortgage refinancing is crucial.
$ Borrowed
$
(enter numbers only)
First Payment
January
February
March
April
May
June
July
August
September
October
Novermber
December
1958
1959
1960
1961
1962
1963
1964
1965
1966
1967
1968
1969
1970
1971
1972
1973
1974
1975
1976
1977
1978
1979
1980
1981
1982
1983
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
2047
2048
2049
2050
2051
2052
2053
2054
2055
2056
2057
2058
Years of Loan
1
2
3
4
5
6
7
8
9
10
15
20
25
30
35
40
45
50
Initial Rate
0.000%
0.125%
0.250%
0.375%
0.500%
0.625%
0.750%
0.875%
1.000%
1.125%
1.250%
1.375%
1.500%
1.625%
1.750%
1.875%
2.000%
2.125%
2.250%
2.375%
2.500%
2.625%
2.750%
2.875%
3.000%
3.125%
3.250%
3.375%
3.500%
3.625%
3.750%
3.875%
4.000%
4.125%
4.250%
4.375%
4.500%
4.625%
4.750%
4.875%
5.000%
5.125%
5.250%
5.375%
5.500%
5.625%
5.750%
5.875%
6.000%
6.125%
6.250%
6.375%
6.500%
6.625%
6.750%
6.875%
7.000%
7.125%
7.250%
7.375%
7.500%
7.625%
7.750%
7.875%
8.000%
8.125%
8.250%
8.375%
8.500%
8.625%
8.750%
8.875%
9.000%
9.125%
9.250%
9.375%
9.500%
9.625%
9.750%
9.875%
10.000%
10.125%
10.250%
10.375%
10.500%
10.625%
10.750%
10.875%
11.000%
11.125%
11.250%
11.375%
11.500%
11.625%
11.750%
11.875%
12.000%
12.125%
12.250%
12.375%
12.500%
12.625%
12.750%
12.875%
13.000%
13.125%
13.250%
13.375%
13.500%
13.625%
13.750%
13.875%
14.000%
14.125%
14.250%
14.375%
14.500%
14.625%
14.750%
14.875%
15.000%
15.125%
15.250%
15.375%
15.500%
15.625%
15.750%
15.875%
16.000%
16.125%
16.250%
16.375%
16.500%
16.625%
16.750%
16.875%
17.000%
17.125%
17.250%
17.375%
17.500%
17.625%
17.750%
17.875%
18.000%
18.125%
18.250%
18.375%
18.500%
18.625%
18.750%
18.875%
19.000%
19.125%
19.250%
19.375%
19.500%
19.625%
19.750%
19.875%
20.000%
20.125%
20.250%
20.375%
20.500%
20.625%
20.750%
20.875%
21.000%
21.125%
21.250%
21.375%
21.500%
21.625%
21.750%
21.875%
22.000%
22.125%
22.250%
22.375%
22.500%
22.625%
22.750%
22.875%
23.000%
23.125%
23.250%
23.375%
23.500%
23.625%
23.750%
23.875%
24.000%
24.125%
24.250%
24.375%
24.500%
24.625%
24.750%
24.875%
25.000%
Years Certain
Fixed Rate
1 ARM
2 ARM
3 ARM
4 ARM
5 ARM
6 ARM
7 ARM
8 ARM
9 ARM
10 ARM
11 ARM
12 ARM
13 ARM
14 ARM
15 ARM
16 ARM
17 ARM
18 ARM
19 ARM
20 ARM
The following fields relate to Adjustable Mortgages Only
Renewal Increase
0.000%
0.125%
0.250%
0.375%
0.500%
0.625%
0.750%
0.875%
1.000%
1.125%
1.250%
1.375%
1.500%
1.625%
1.750%
1.875%
2.000%
2.125%
2.250%
2.375%
2.500%
2.625%
2.750%
2.875%
3.000%
3.125%
3.250%
3.375%
3.500%
3.625%
3.750%
3.875%
4.000%
4.125%
4.250%
4.375%
4.500%
4.625%
4.750%
4.875%
5.000%
5.125%
5.250%
5.375%
5.500%
5.625%
5.750%
5.875%
6.000%
Max Renewal Rate
0.000%
0.125%
0.250%
0.375%
0.500%
0.625%
0.750%
0.875%
1.000%
1.125%
1.250%
1.375%
1.500%
1.625%
1.750%
1.875%
2.000%
2.125%
2.250%
2.375%
2.500%
2.625%
2.750%
2.875%
3.000%
3.125%
3.250%
3.375%
3.500%
3.625%
3.750%
3.875%
4.000%
4.125%
4.250%
4.375%
4.500%
4.625%
4.750%
4.875%
5.000%
5.125%
5.250%
5.375%
5.500%
5.625%
5.750%
5.875%
6.000%
6.125%
6.250%
6.375%
6.500%
6.625%
6.750%
6.875%
7.000%
7.125%
7.250%
7.375%
7.500%
7.625%
7.750%
7.875%
8.000%
8.125%
8.250%
8.375%
8.500%
8.625%
8.750%
8.875%
9.000%
9.125%
9.250%
9.375%
9.500%
9.625%
9.750%
9.875%
10.000%
10.125%
10.250%
10.375%
10.500%
10.625%
10.750%
10.875%
11.000%
11.125%
11.250%
11.375%
11.500%
11.625%
11.750%
11.875%
12.000%
12.125%
12.250%
12.375%
12.500%
12.625%
12.750%
12.875%
13.000%
13.125%
13.250%
13.375%
13.500%
13.625%
13.750%
13.875%
14.000%
14.125%
14.250%
14.375%
14.500%
14.625%
14.750%
14.875%
15.000%
15.125%
15.250%
15.375%
15.500%
15.625%
15.750%
15.875%
16.000%
16.125%
16.250%
16.375%
16.500%
16.625%
16.750%
16.875%
17.000%
17.125%
17.250%
17.375%
17.500%
17.625%
17.750%
17.875%
18.000%
18.125%
18.250%
18.375%
18.500%
18.625%
18.750%
18.875%
19.000%
19.125%
19.250%
19.375%
19.500%
19.625%
19.750%
19.875%
20.000%
20.125%
20.250%
20.375%
20.500%
20.625%
20.750%
20.875%
21.000%
21.125%
21.250%
21.375%
21.500%
21.625%
21.750%
21.875%
22.000%
22.125%
22.250%
22.375%
22.500%
22.625%
22.750%
22.875%
23.000%
23.125%
23.250%
23.375%
23.500%
23.625%
23.750%
23.875%
24.000%
24.125%
24.250%
24.375%
24.500%
24.625%
24.750%
24.875%
25.000%
Change Interval
3 months
6 months
9 months
12 months
15 months
18 months
21 months
24 months
27 months
30 months
33 months
36 months
39 months
42 months
45 months
48 months
51 months
54 months
57 months
60 months
To copy a principal payment to multiple cells, you can hit the
[c]
button listed beside a particular
Extra Principal
input box to copy that value to all future principal payments.
Date
Pmt
Starting Amount
Rate
Payment
Principal
Interest
Extra Principal
Amount Owed
7/08
1
$200,000.00
6.000%
$1,178.75
$205.24
$973.51
[c]
$199,794.76
8/08
2
$199,794.76
6.000%
$1,178.75
$206.24
$972.51
[c]
$199,588.52
9/08
3
$199,588.52
6.000%
$1,178.75
$207.24
$971.51
[c]
$199,381.28
10/08
4
$199,381.28
6.000%
$1,178.75
$208.25
$970.50
[c]
$199,173.03
11/08
5
$199,173.03
6.000%
$1,178.75
$209.27
$969.48
[c]
$198,963.76
12/08
6
$198,963.76
6.000%
$1,178.75
$210.28
$968.47
[c]
$198,753.48
1/09
7
$198,753.48
6.000%
$1,178.75
$211.31
$967.44
[c]
$198,542.17
2/09
8
$198,542.17
6.000%
$1,178.75
$212.34
$966.41
[c]
$198,329.83
3/09
9
$198,329.83
6.000%
$1,178.75
$213.37
$965.38
[c]
$198,116.46
4/09
10
$198,116.46
6.000%
$1,178.75
$214.41
$964.34
[c]
$197,902.05
5/09
11
$197,902.05
6.000%
$1,178.75
$215.45
$963.30
[c]
$197,686.60
6/09
12
$197,686.60
6.000%
$1,178.75
$216.50
$962.25
[c]
$197,470.10
7/09
13
$197,470.10
6.000%
$1,178.75
$217.55
$961.20
[c]
$197,252.55
8/09
14
$197,252.55
6.000%
$1,178.75
$218.61
$960.14
[c]
$197,033.94
9/09
15
$197,033.94
6.000%
$1,178.75
$219.68
$959.07
[c]
$196,814.26
10/09
16
$196,814.26
6.000%
$1,178.75
$220.75
$958.00
[c]
$196,593.51
11/09
17
$196,593.51
6.000%
$1,178.75
$221.82
$956.93
[c]
$196,371.69
12/09
18
$196,371.69
6.000%
$1,178.75
$222.90
$955.85
[c]
$196,148.79
1/10
19
$196,148.79
6.000%
$1,178.75
$223.99
$954.76
[c]
$195,924.80
2/10
20
$195,924.80
6.000%
$1,178.75
$225.08
$953.67
[c]
$195,699.72
3/10
21
$195,699.72
6.000%
$1,178.75
$226.17
$952.58
[c]
$195,473.55
4/10
22
$195,473.55
6.000%
$1,178.75
$227.27
$951.48
[c]
$195,246.28
5/10
23
$195,246.28
6.000%
$1,178.75
$228.38
$950.37
[c]
$195,017.90
6/10
24
$195,017.90
6.000%
$1,178.75
$229.49
$949.26
[c]
$194,788.41
7/10
25
$194,788.41
6.000%
$1,178.75
$230.61
$948.14
[c]
$194,557.80
8/10
26
$194,557.80
6.000%
$1,178.75
$231.73
$947.02
[c]
$194,326.07
9/10
27
$194,326.07
6.000%
$1,178.75
$232.86
$945.89
[c]
$194,093.21
10/10
28
$194,093.21
6.000%
$1,178.75
$233.99
$944.76
[c]
$193,859.22
11/10
29
$193,859.22
6.000%
$1,178.75
$235.13
$943.62
[c]
$193,624.09
12/10
30
$193,624.09
6.000%
$1,178.75
$236.27
$942.48
[c]
$193,387.82
1/11
31
$193,387.82
6.000%
$1,178.75
$237.43
$941.32
[c]
$193,150.39
2/11
32
$193,150.39
6.000%
$1,178.75
$238.58
$940.17
[c]
$192,911.81
3/11
33
$192,911.81
6.000%
$1,178.75
$239.74
$939.01
[c]
$192,672.07
4/11
34
$192,672.07
6.000%
$1,178.75
$240.91
$937.84
[c]
$192,431.16
5/11
35
$192,431.16
6.000%
$1,178.75
$242.08
$936.67
[c]
$192,189.08
6/11
36
$192,189.08
6.000%
$1,178.75
$243.26
$935.49
[c]
$191,945.82
7/11
37
$191,945.82
6.000%
$1,178.75
$244.44
$934.31
[c]
$191,701.38
8/11
38
$191,701.38
6.000%
$1,178.75
$245.63
$933.12
[c]
$191,455.75
9/11
39
$191,455.75
6.000%
$1,178.75
$246.83
$931.92
[c]
$191,208.92
10/11
40
$191,208.92
6.000%
$1,178.75
$248.03
$930.72
[c]
$190,960.89
11/11
41
$190,960.89
6.000%
$1,178.75
$249.24
$929.51
[c]
$190,711.65
12/11
42
$190,711.65
6.000%
$1,178.75
$250.45
$928.30
[c]
$190,461.20
1/12
43
$190,461.20
6.000%
$1,178.75
$251.67
$927.08
[c]
$190,209.53
2/12
44
$190,209.53
6.000%
$1,178.75
$252.90
$925.85
[c]
$189,956.63
3/12
45
$189,956.63
6.000%
$1,178.75
$254.13
$924.62
[c]
$189,702.50
4/12
46
$189,702.50
6.000%
$1,178.75
$255.36
$923.39
[c]
$189,447.14
5/12
47
$189,447.14
6.000%
$1,178.75
$256.61
$922.14
[c]
$189,190.53
6/12
48
$189,190.53
6.000%
$1,178.75
$257.86
$920.89
[c]
$188,932.67
7/12
49
$188,932.67
6.000%
$1,178.75
$259.11
$919.64
[c]
$188,673.56
8/12
50
$188,673.56
6.000%
$1,178.75
$260.37
$918.38
[c]
$188,413.19
9/12
51
$188,413.19
6.000%
$1,178.75
$261.64
$917.11
[c]
$188,151.55
10/12
52
$188,151.55
6.000%
$1,178.75
$262.91
$915.84
[c]
$187,888.64
11/12
53
$187,888.64
6.000%
$1,178.75
$264.19
$914.56
[c]
$187,624.45
12/12
54
$187,624.45
6.000%
$1,178.75
$265.48
$913.27
[c]
$187,358.97
1/13
55
$187,358.97
6.000%
$1,178.75
$266.77
$911.98
[c]
$187,092.20
2/13
56
$187,092.20
6.000%
$1,178.75
$268.07
$910.68
[c]
$186,824.13
3/13
57
$186,824.13
6.000%
$1,178.75
$269.37
$909.38
[c]
$186,554.76
4/13
58
$186,554.76
6.000%
$1,178.75
$270.69
$908.06
[c]
$186,284.07
5/13
59
$186,284.07
6.000%
$1,178.75
$272.00
$906.75
[c]
$186,012.07
6/13
60
$186,012.07
6.000%
$1,178.75
$273.33
$905.42
[c]
$185,738.74
7/13
61
$185,738.74
6.000%
$1,178.75
$274.66
$904.09
[c]
$185,464.08
8/13
62
$185,464.08
6.000%
$1,178.75
$275.99
$902.76
[c]
$185,188.09
9/13
63
$185,188.09
6.000%
$1,178.75
$277.34
$901.41
[c]
$184,910.75
10/13
64
$184,910.75
6.000%
$1,178.75
$278.69
$900.06
[c]
$184,632.06
11/13
65
$184,632.06
6.000%
$1,178.75
$280.04
$898.71
[c]
$184,352.02
12/13
66
$184,352.02
6.000%
$1,178.75
$281.41
$897.34
[c]
$184,070.61
1/14
67
$184,070.61
6.000%
$1,178.75
$282.78
$895.97
[c]
$183,787.83
2/14
68
$183,787.83
6.000%
$1,178.75
$284.15
$894.60
[c]
$183,503.68
3/14
69
$183,503.68
6.000%
$1,178.75
$285.54
$893.21
[c]
$183,218.14
4/14
70
$183,218.14
6.000%
$1,178.75
$286.93
$891.82
[c]
$182,931.21
5/14
71
$182,931.21
6.000%
$1,178.75
$288.32
$890.43
[c]
$182,642.89
6/14
72
$182,642.89
6.000%
$1,178.75
$289.73
$889.02
[c]
$182,353.16
7/14
73
$182,353.16
6.000%
$1,178.75
$291.14
$887.61
[c]
$182,062.02
8/14
74
$182,062.02
6.000%
$1,178.75
$292.55
$886.20
[c]
$181,769.47
9/14
75
$181,769.47
6.000%
$1,178.75
$293.98
$884.77
[c]
$181,475.49
10/14
76
$181,475.49
6.000%
$1,178.75
$295.41
$883.34
[c]
$181,180.08
11/14
77
$181,180.08
6.000%
$1,178.75
$296.85
$881.90
[c]
$180,883.23
12/14
78
$180,883.23
6.000%
$1,178.75
$298.29
$880.46
[c]
$180,584.94
1/15
79
$180,584.94
6.000%
$1,178.75
$299.74
$879.01
[c]
$180,285.20
2/15
80
$180,285.20
6.000%
$1,178.75
$301.20
$877.55
[c]
$179,984.00
3/15
81
$179,984.00
6.000%
$1,178.75
$302.67
$876.08
[c]
$179,681.33
4/15
82
$179,681.33
6.000%
$1,178.75
$304.14
$874.61
[c]
$179,377.19
5/15
83
$179,377.19
6.000%
$1,178.75
$305.62
$873.13
[c]
$179,071.57
6/15
84
$179,071.57
6.000%
$1,178.75
$307.11
$871.64
[c]
$178,764.46
7/15
85
$178,764.46
6.000%
$1,178.75
$308.60
$870.15
[c]
$178,455.86
8/15
86
$178,455.86
6.000%
$1,178.75
$310.11
$868.64
[c]
$178,145.75
9/15
87
$178,145.75
6.000%
$1,178.75
$311.62
$867.13
[c]
$177,834.13
10/15
88
$177,834.13
6.000%
$1,178.75
$313.13
$865.62
[c]
$177,521.00
11/15
89
$177,521.00
6.000%
$1,178.75
$314.66
$864.09
[c]
$177,206.34
12/15
90
$177,206.34
6.000%
$1,178.75
$316.19
$862.56
[c]
$176,890.15
1/16
91
$176,890.15
6.000%
$1,178.75
$317.73
$861.02
[c]
$176,572.42
2/16
92
$176,572.42
6.000%
$1,178.75
$319.27
$859.48
[c]
$176,253.15
3/16
93
$176,253.15
6.000%
$1,178.75
$320.83
$857.92
[c]
$175,932.32
4/16
94
$175,932.32
6.000%
$1,178.75
$322.39
$856.36
[c]
$175,609.93
5/16
95
$175,609.93
6.000%
$1,178.75
$323.96
$854.79
[c]
$175,285.97
6/16
96
$175,285.97
6.000%
$1,178.75
$325.54
$853.21
[c]
$174,960.43
7/16
97
$174,960.43
6.000%
$1,178.75
$327.12
$851.63
[c]
$174,633.31
8/16
98
$174,633.31
6.000%
$1,178.75
$328.71
$850.04
[c]
$174,304.60
9/16
99
$174,304.60
6.000%
$1,178.75
$330.31
$848.44
[c]
$173,974.29
10/16
100
$173,974.29
6.000%
$1,178.75
$331.92
$846.83
[c]
$173,642.37
11/16
101
$173,642.37
6.000%
$1,178.75
$333.54
$845.21
[c]
$173,308.83
12/16
102
$173,308.83
6.000%
$1,178.75
$335.16
$843.59
[c]
$172,973.67
1/17
103
$172,973.67
6.000%
$1,178.75
$336.79
$841.96
[c]
$172,636.88
2/17
104
$172,636.88
6.000%
$1,178.75
$338.43
$840.32
[c]
$172,298.45
3/17
105
$172,298.45
6.000%
$1,178.75
$340.08
$838.67
[c]
$171,958.37
4/17
106
$171,958.37
6.000%
$1,178.75
$341.73
$837.02
[c]
$171,616.64
5/17
107
$171,616.64
6.000%
$1,178.75
$343.40
$835.35
[c]
$171,273.24
6/17
108
$171,273.24
6.000%
$1,178.75
$345.07
$833.68
[c]
$170,928.17
7/17
109
$170,928.17
6.000%
$1,178.75
$346.75
$832.00
[c]
$170,581.42
8/17
110
$170,581.42
6.000%
$1,178.75
$348.44
$830.31
[c]
$170,232.98
9/17
111
$170,232.98
6.000%
$1,178.75
$350.13
$828.62
[c]
$169,882.85
10/17
112
$169,882.85
6.000%
$1,178.75
$351.84
$826.91
[c]
$169,531.01
11/17
113
$169,531.01
6.000%
$1,178.75
$353.55
$825.20
[c]
$169,177.46
12/17
114
$169,177.46
6.000%
$1,178.75
$355.27
$823.48
[c]
$168,822.19
1/18
115
$168,822.19
6.000%
$1,178.75
$357.00
$821.75
[c]
$168,465.19
2/18
116
$168,465.19
6.000%
$1,178.75
$358.74
$820.01
[c]
$168,106.45
3/18
117
$168,106.45
6.000%
$1,178.75
$360.48
$818.27
[c]
$167,745.97
4/18
118
$167,745.97
6.000%
$1,178.75
$362.24
$816.51
[c]
$167,383.73
5/18
119
$167,383.73
6.000%
$1,178.75
$364.00
$814.75
[c]
$167,019.73
6/18
120
$167,019.73
6.000%
$1,178.75
$365.77
$812.98
[c]
$166,653.96
7/18
121
$166,653.96
6.000%
$1,178.75
$367.55
$811.20
[c]
$166,286.41
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