Mortgage & Refinance Calculator

Purchase & refinance analysis with fixed-rate and ARM support, full amortization schedules, break-even calculation, with lifetime and month-by-month savings comparison.

🔒 Your data never leaves your device — all calculations happen privately in your browser.

Purchase Loan Details
$
%
%
$
Optional — extra principal each month to pay off faster.
Payment Summary
Monthly P&I Payment
—
Total Interest Paid
—
Total Amount Paid
—
Amortization Schedule
Month Payment Principal Interest Balance Total Interest
Current Loan
$
$
$
%
yr mo
New Loan Details
%
$
Optional — for break-even calculation.
$
Optional — extra principal each month.
Refinance Summary
New Monthly P&I
—
Monthly Savings
—
Break-even
—
Total Interest
—
Total Paid
—
Lifetime Savings
—
Time Saved
—
Loan Progression Comparison
Month Current Loan New Loan Cumulative Savings
Balance Total Interest Balance Total Interest
Amortization Schedule (New Loan)
Month Payment Principal Extra Interest Balance Total Interest