Everyday / Finance
Loan Calculator
Estimate loan payments, total interest, payoff timing, and extra-payment impact directly in your browser. Estimate payments, total interest, and payoff impact directly in the browser for mortgages, car loans, and personal loans.
$1,580.17
Per payment
$318,861.22
Interest
$568,861.22
Total paid
30
Years to payoff
Loaded starter mortgage example
Quick notes
Extra payments go directly toward principal in this estimate.
Biweekly mode uses 26 payments per year for a more frequent-pay schedule.
Useful for mortgages, auto loans, renovation budgets, and payoff planning.
Loan summary
$1,580.17
Per month
Base payment
$1,580.17
Interest saved
$0.00
Payments saved
0
With extra vs without extra
Baseline plan
$1,580.17
$318,861.22 interest over 30 years
Current plan
$1,580.17
$0.00 interest saved and 0 payments removed
Payoff snapshot
Payment 1
Interest: $1,354.17
Principal: $226.00
Balance: $249,774.00
Payment 2
Interest: $1,352.94
Principal: $227.23
Balance: $249,546.77
Payment 3
Interest: $1,351.71
Principal: $228.46
Balance: $249,318.31
Payment 180
Interest: $985.79
Principal: $594.38
Balance: $181,397.85
Payment 360
Interest: $8.51
Principal: $1,571.66
Balance: $0.00
Practical takeaways
No extra payment is applied yet, so the baseline and current plan are the same.
Total cost difference between the baseline and current plan: $0.00.
This is most useful when comparing “comfortable payment” versus “faster payoff” scenarios.