Does this include taxes, insurance or PMI?

No. This tool focuses on principal and interest (P&I). You can approximate by adding those costs to the extra payment field.

Can I add extra monthly payment?

Yes. Use the Extra monthly payment input to see faster payoff and lower total interest.

The calculator uses a simple division of loan amount by term months when the interest rate is zero.

Compute monthly payment, total interest, payoff time and see the amortization schedule. Export CSV for the full table.

Currency Term (years)

Home price Down payment

Annual rate (APR, %) Extra monthly payment

P&I only. For taxes/insurance/PMI, add into “Extra” as an estimate.

Loan amount

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Monthly payment

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Total interest

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Months to pay off

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Monthly payment shown includes any “Extra monthly payment”.

First 120 rows shown here. Use CSV export for the full schedule.

#	Payment	Principal	Interest	Balance