Professional Loan Calculator – Mortgage Payment & Amortization Analysis for 2026

Calculate exact monthly payments, see complete amortization schedules, and understand the true cost of your mortgage in 2026. Professional-grade analysis with visual breakdowns of principal vs. interest over time.

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Precise Calculations

Bank-accurate payment calculations including principal, interest, and total loan costs

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Visual Analysis

Interactive charts show how your payments shift from interest to principal over time

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Full Amortization

Complete month-by-month breakdown of every payment throughout your loan term

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Smart Insights

Discover how extra payments or different terms can save thousands in interest

Mortgage Calculator Quick Answers

How is my monthly payment calculated?

Monthly payment = P × [r(1+r)^n]/[(1+r)^n-1], where P is principal, r is monthly rate, and n is number of payments.

What’s included in monthly payments?

This calculator shows principal and interest only. Add property taxes, insurance, HOA, and PMI for total housing payment.

How much goes to interest vs principal?

Early payments are mostly interest. For a 30-year loan, you’ll pay more principal than interest after about 13 years.

How can I pay less interest?

Make extra principal payments, choose a shorter term, or make bi-weekly payments to reduce total interest significantly.