Loans and property
Mortgage Calculator
Estimate mortgage payments, total housing cost, interest, and LTV.
Loans and property
Loan Repayment Calculator
Estimate fixed loan payments and see how each payment is divided between principal and interest. Add an extra payment to explore potential time and interest savings.
Last reviewed: August 23, 2026 · Free to use · No registration
Interactive tool
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Your estimate
Results
Enter your details and select Calculate to see a clear result breakdown.
Detailed breakdown
Calculation details
Before using the estimate
Important considerations
- Lenders may use different day-count and rounding conventions.
- Fees, insurance and variable interest rates are not included.
- Confirm whether your lender applies extra payments directly to principal without penalties.
Common questions
Loan Repayment Calculator FAQs
Does an extra payment reduce interest?
Usually, if it is applied to principal. The calculator compares the resulting schedule with the standard schedule.
How is a zero-interest loan handled?
The principal is divided equally by the number of payments.
Is the payoff date exact?
It is an estimate based on the selected payment interval and start date; lender processing dates may differ.