Personal finance · Local-first

See where every mortgage dollar goes.

See how much you have paid and what remains today, then follow principal, interest, and the balance all the way to zero. Add an extra monthly payment to see how much time and interest it could remove.

Loan assumptions

Shape the mortgage

5 inputs

Amount borrowed after the down payment.

Fixed nominal rate, compounded monthly.

Any whole number from 1 to 50 years.

Used to estimate payments due through today.

Starts with the next payment due; it does not rewrite your past.

This assumes every required payment was made on time from the first payment date. New extra principal starts with the next payment. The estimate excludes taxes, insurance, HOA dues, fees, and rate changes.

Example values loaded

Scenario links include the loan amount and first payment date. Share them carefully; values are not otherwise saved.

Your path to zero

A 30-year mortgage, unpacked.

Calculating the payment path from the first month to the last.

Ready
As of today

Your mortgage today

Add the first payment date to estimate your progress so far.

Calculating
Paid so far
—
Principal + interest
Principal remaining
—
Estimated loan balance
Principal repaid
—
Balance reduction
Interest paid
—
Cost paid to date
Principal progress—
Next P&I payment
—
Principal and interest
Lifetime interest
—
Across the full loan
Lifetime paid
—
Principal + interest
Payoff date
—
Final payment
What would extra principal change?

Enter an extra monthly amount to compare it with the original term.

Annual stacked chart

Principal + interest, year by year

Each column is one year of payments. Principal and interest stack to the full annual P&I total.

PrincipalInterest

Use the arrow keys on a keyboard, or swipe horizontally on a small screen, to inspect every loan year.

Lifetime payment split—
Principal —Interest —
Year 1 principal
—
Interest
—
Payments
—
Balance after year
—
Remaining principal

The balance, all the way to zero

Extra principal bends the payoff curve down sooner. The dashed line appears when there is an original schedule to compare.

Your path
Mortgage balance over timeThe remaining mortgage balance falls from the original principal to zero at the final payment.
Starts at —Balance reaches $0 at the final payment.

Illustrative estimate only, not financial advice. Your servicer balance may differ because of payment timing, rounding, fees, or changing extra payments. Calculations stay in your browser; no loan details are sent anywhere.

Annual amortization schedule0 years
Annual mortgage principal, interest, payments, and ending balance
Loan yearPrincipalInterestPaymentsEnd balance
Lifetime total———$0