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MORTGAGE AMORTIZATION CALCULATOR

This mortgage amortization calculator with extra payments calculates your monthly payment, generates the amortization table and allows to add lump sum payments and recurring payments to your calculations.

REQUIRED INFORMATION

To calculate mortgage payments, mortgage loan amount, annual interest rate, mortgage length and loan start date fields are required. These fields are also highlighted in red while they are active.

INPUT DATA

Please do not use any currency or digit grouping symbols in your values. Use dot as a decimal symbol. Dates should be entered as MM/DD for recurring and MM/DD/YYYY for non-recurring payments (eg. 08/26 or 08/26/2010)

Mortgage information:

$764.99 / payment

Your monthly payment will be $764.99 (currency irrelevant) for a $100,000.00 mortgage loan.

This amount should be paid 12 times a year for 15 years to your lender, which gives us 180 payments total.

Note that real life mortgage offers are slightly different, but still this is a pretty good estimated result of your mortgage amortization.

Mortgage amortization schedule

period: date: interest paid: principal paid: remaining balance:
1 07/26/2017 $375.00 $389.99 $99,610.01
2 08/26/2017 $373.54 $391.45 $99,218.56
3 09/26/2017 $372.07 $392.92 $98,825.64
4 10/26/2017 $370.60 $394.39 $98,431.25
5 11/26/2017 $369.12 $395.87 $98,035.38
6 12/26/2017 $367.63 $397.36 $97,638.02
Mortgage amortization schedule for year 1 (2017):
You will spend $2,361.98 on principal $2,227.96 on interest.
period: date: interest paid: principal paid: remaining balance:
7 01/26/2018 $366.14 $398.85 $97,239.17
8 02/26/2018 $364.65 $400.34 $96,838.83
9 03/26/2018 $363.15 $401.84 $96,436.99
10 04/26/2018 $361.64 $403.35 $96,033.64
11 05/26/2018 $360.13 $404.86 $95,628.78
12 06/26/2018 $358.61 $406.38 $95,222.40
13 07/26/2018 $357.08 $407.91 $94,814.49
14 08/26/2018 $355.55 $409.44 $94,405.05
15 09/26/2018 $354.02 $410.97 $93,994.08
16 10/26/2018 $352.48 $412.51 $93,581.57
17 11/26/2018 $350.93 $414.06 $93,167.51
18 12/26/2018 $349.38 $415.61 $92,751.90
Mortgage amortization schedule for year 2 (2018):
You will spend $4,886.12 on principal $4,293.76 on interest.
period: date: interest paid: principal paid: remaining balance:
19 01/26/2019 $347.82 $417.17 $92,334.73
20 02/26/2019 $346.26 $418.73 $91,916.00
21 03/26/2019 $344.69 $420.30 $91,495.70
22 04/26/2019 $343.11 $421.88 $91,073.82
23 05/26/2019 $341.53 $423.46 $90,650.36
24 06/26/2019 $339.94 $425.05 $90,225.31
25 07/26/2019 $338.34 $426.65 $89,798.66
26 08/26/2019 $336.74 $428.25 $89,370.41
27 09/26/2019 $335.14 $429.85 $88,940.56
28 10/26/2019 $333.53 $431.46 $88,509.10
29 11/26/2019 $331.91 $433.08 $88,076.02
30 12/26/2019 $330.29 $434.70 $87,641.32
Mortgage amortization schedule for year 3 (2019):
You will spend $5,110.58 on principal $4,069.30 on interest.
period: date: interest paid: principal paid: remaining balance:
31 01/26/2020 $328.65 $436.34 $87,204.98
32 02/26/2020 $327.02 $437.97 $86,767.01
33 03/26/2020 $325.38 $439.61 $86,327.40
34 04/26/2020 $323.73 $441.26 $85,886.14
35 05/26/2020 $322.07 $442.92 $85,443.22
36 06/26/2020 $320.41 $444.58 $84,998.64
37 07/26/2020 $318.74 $446.25 $84,552.39
38 08/26/2020 $317.07 $447.92 $84,104.47
39 09/26/2020 $315.39 $449.60 $83,654.87
40 10/26/2020 $313.71 $451.28 $83,203.59
41 11/26/2020 $312.01 $452.98 $82,750.61
42 12/26/2020 $310.31 $454.68 $82,295.93
Mortgage amortization schedule for year 4 (2020):
You will spend $5,345.39 on principal $3,834.49 on interest.
period: date: interest paid: principal paid: remaining balance:
43 01/26/2021 $308.61 $456.38 $81,839.55
44 02/26/2021 $306.90 $458.09 $81,381.46
45 03/26/2021 $305.18 $459.81 $80,921.65
46 04/26/2021 $303.46 $461.53 $80,460.12
47 05/26/2021 $301.73 $463.26 $79,996.86
48 06/26/2021 $299.99 $465.00 $79,531.86
49 07/26/2021 $298.24 $466.75 $79,065.11
50 08/26/2021 $296.49 $468.50 $78,596.61
51 09/26/2021 $294.74 $470.25 $78,126.36
52 10/26/2021 $292.97 $472.02 $77,654.34
53 11/26/2021 $291.20 $473.79 $77,180.55
54 12/26/2021 $289.43 $475.56 $76,704.99
Mortgage amortization schedule for year 5 (2021):
You will spend $5,590.94 on principal $3,588.94 on interest.
period: date: interest paid: principal paid: remaining balance:
55 01/26/2022 $287.64 $477.35 $76,227.64
56 02/26/2022 $285.85 $479.14 $75,748.50
57 03/26/2022 $284.06 $480.93 $75,267.57
58 04/26/2022 $282.25 $482.74 $74,784.83
59 05/26/2022 $280.44 $484.55 $74,300.28
60 06/26/2022 $278.63 $486.36 $73,813.92
61 07/26/2022 $276.80 $488.19 $73,325.73
62 08/26/2022 $274.97 $490.02 $72,835.71
63 09/26/2022 $273.13 $491.86 $72,343.85
64 10/26/2022 $271.29 $493.70 $71,850.15
65 11/26/2022 $269.44 $495.55 $71,354.60
66 12/26/2022 $267.58 $497.41 $70,857.19
Mortgage amortization schedule for year 6 (2022):
You will spend $5,847.80 on principal $3,332.08 on interest.
period: date: interest paid: principal paid: remaining balance:
67 01/26/2023 $265.71 $499.28 $70,357.91
68 02/26/2023 $263.84 $501.15 $69,856.76
69 03/26/2023 $261.96 $503.03 $69,353.73
70 04/26/2023 $260.08 $504.91 $68,848.82
71 05/26/2023 $258.18 $506.81 $68,342.01
72 06/26/2023 $256.28 $508.71 $67,833.30
73 07/26/2023 $254.37 $510.62 $67,322.68
74 08/26/2023 $252.46 $512.53 $66,810.15
75 09/26/2023 $250.54 $514.45 $66,295.70
76 10/26/2023 $248.61 $516.38 $65,779.32
77 11/26/2023 $246.67 $518.32 $65,261.00
78 12/26/2023 $244.73 $520.26 $64,740.74
Mortgage amortization schedule for year 7 (2023):
You will spend $6,116.45 on principal $3,063.43 on interest.
period: date: interest paid: principal paid: remaining balance:
79 01/26/2024 $242.78 $522.21 $64,218.53
80 02/26/2024 $240.82 $524.17 $63,694.36
81 03/26/2024 $238.85 $526.14 $63,168.22
82 04/26/2024 $236.88 $528.11 $62,640.11
83 05/26/2024 $234.90 $530.09 $62,110.02
84 06/26/2024 $232.91 $532.08 $61,577.94
85 07/26/2024 $230.92 $534.07 $61,043.87
86 08/26/2024 $228.91 $536.08 $60,507.79
87 09/26/2024 $226.90 $538.09 $59,969.70
88 10/26/2024 $224.89 $540.10 $59,429.60
89 11/26/2024 $222.86 $542.13 $58,887.47
90 12/26/2024 $220.83 $544.16 $58,343.31
Mortgage amortization schedule for year 8 (2024):
You will spend $6,397.43 on principal $2,782.45 on interest.
period: date: interest paid: principal paid: remaining balance:
91 01/26/2025 $218.79 $546.20 $57,797.11
92 02/26/2025 $216.74 $548.25 $57,248.86
93 03/26/2025 $214.68 $550.31 $56,698.55
94 04/26/2025 $212.62 $552.37 $56,146.18
95 05/26/2025 $210.55 $554.44 $55,591.74
96 06/26/2025 $208.47 $556.52 $55,035.22
97 07/26/2025 $206.38 $558.61 $54,476.61
98 08/26/2025 $204.29 $560.70 $53,915.91
99 09/26/2025 $202.18 $562.81 $53,353.10
100 10/26/2025 $200.07 $564.92 $52,788.18
101 11/26/2025 $197.96 $567.03 $52,221.15
102 12/26/2025 $195.83 $569.16 $51,651.99
Mortgage amortization schedule for year 9 (2025):
You will spend $6,691.32 on principal $2,488.56 on interest.
period: date: interest paid: principal paid: remaining balance:
103 01/26/2026 $193.69 $571.30 $51,080.69
104 02/26/2026 $191.55 $573.44 $50,507.25
105 03/26/2026 $189.40 $575.59 $49,931.66
106 04/26/2026 $187.24 $577.75 $49,353.91
107 05/26/2026 $185.08 $579.91 $48,774.00
108 06/26/2026 $182.90 $582.09 $48,191.91
109 07/26/2026 $180.72 $584.27 $47,607.64
110 08/26/2026 $178.53 $586.46 $47,021.18
111 09/26/2026 $176.33 $588.66 $46,432.52
112 10/26/2026 $174.12 $590.87 $45,841.65
113 11/26/2026 $171.91 $593.08 $45,248.57
114 12/26/2026 $169.68 $595.31 $44,653.26
Mortgage amortization schedule for year 10 (2026):
You will spend $6,998.73 on principal $2,181.15 on interest.
period: date: interest paid: principal paid: remaining balance:
115 01/26/2027 $167.45 $597.54 $44,055.72
116 02/26/2027 $165.21 $599.78 $43,455.94
117 03/26/2027 $162.96 $602.03 $42,853.91
118 04/26/2027 $160.70 $604.29 $42,249.62
119 05/26/2027 $158.44 $606.55 $41,643.07
120 06/26/2027 $156.16 $608.83 $41,034.24
121 07/26/2027 $153.88 $611.11 $40,423.13
122 08/26/2027 $151.59 $613.40 $39,809.73
123 09/26/2027 $149.29 $615.70 $39,194.03
124 10/26/2027 $146.98 $618.01 $38,576.02
125 11/26/2027 $144.66 $620.33 $37,955.69
126 12/26/2027 $142.33 $622.66 $37,333.03
Mortgage amortization schedule for year 11 (2027):
You will spend $7,320.23 on principal $1,859.65 on interest.
period: date: interest paid: principal paid: remaining balance:
127 01/26/2028 $140.00 $624.99 $36,708.04
128 02/26/2028 $137.66 $627.33 $36,080.71
129 03/26/2028 $135.30 $629.69 $35,451.02
130 04/26/2028 $132.94 $632.05 $34,818.97
131 05/26/2028 $130.57 $634.42 $34,184.55
132 06/26/2028 $128.19 $636.80 $33,547.75
133 07/26/2028 $125.80 $639.19 $32,908.56
134 08/26/2028 $123.41 $641.58 $32,266.98
135 09/26/2028 $121.00 $643.99 $31,622.99
136 10/26/2028 $118.59 $646.40 $30,976.59
137 11/26/2028 $116.16 $648.83 $30,327.76
138 12/26/2028 $113.73 $651.26 $29,676.50
Mortgage amortization schedule for year 12 (2028):
You will spend $7,656.53 on principal $1,523.35 on interest.
period: date: interest paid: principal paid: remaining balance:
139 01/26/2029 $111.29 $653.70 $29,022.80
140 02/26/2029 $108.84 $656.15 $28,366.65
141 03/26/2029 $106.37 $658.62 $27,708.03
142 04/26/2029 $103.91 $661.08 $27,046.95
143 05/26/2029 $101.43 $663.56 $26,383.39
144 06/26/2029 $98.94 $666.05 $25,717.34
145 07/26/2029 $96.44 $668.55 $25,048.79
146 08/26/2029 $93.93 $671.06 $24,377.73
147 09/26/2029 $91.42 $673.57 $23,704.16
148 10/26/2029 $88.89 $676.10 $23,028.06
149 11/26/2029 $86.36 $678.63 $22,349.43
150 12/26/2029 $83.81 $681.18 $21,668.25
Mortgage amortization schedule for year 13 (2029):
You will spend $8,008.25 on principal $1,171.63 on interest.
period: date: interest paid: principal paid: remaining balance:
151 01/26/2030 $81.26 $683.73 $20,984.52
152 02/26/2030 $78.69 $686.30 $20,298.22
153 03/26/2030 $76.12 $688.87 $19,609.35
154 04/26/2030 $73.54 $691.45 $18,917.90
155 05/26/2030 $70.94 $694.05 $18,223.85
156 06/26/2030 $68.34 $696.65 $17,527.20
157 07/26/2030 $65.73 $699.26 $16,827.94
158 08/26/2030 $63.10 $701.89 $16,126.05
159 09/26/2030 $60.47 $704.52 $15,421.53
160 10/26/2030 $57.83 $707.16 $14,714.37
161 11/26/2030 $55.18 $709.81 $14,004.56
162 12/26/2030 $52.52 $712.47 $13,292.09
Mortgage amortization schedule for year 14 (2030):
You will spend $8,376.16 on principal $803.72 on interest.
period: date: interest paid: principal paid: remaining balance:
163 01/26/2031 $49.85 $715.14 $12,576.95
164 02/26/2031 $47.16 $717.83 $11,859.12
165 03/26/2031 $44.47 $720.52 $11,138.60
166 04/26/2031 $41.77 $723.22 $10,415.38
167 05/26/2031 $39.06 $725.93 $9,689.45
168 06/26/2031 $36.34 $728.65 $8,960.80
169 07/26/2031 $33.60 $731.39 $8,229.41
170 08/26/2031 $30.86 $734.13 $7,495.28
171 09/26/2031 $28.11 $736.88 $6,758.40
172 10/26/2031 $25.34 $739.65 $6,018.75
173 11/26/2031 $22.57 $742.42 $5,276.33
174 12/26/2031 $19.79 $745.20 $4,531.13
Mortgage amortization schedule for year 15 (2031):
You will spend $8,760.96 on principal $418.92 on interest.
period: date: interest paid: principal paid: remaining balance:
175 01/26/2032 $16.99 $748.00 $3,783.13
176 02/26/2032 $14.19 $750.80 $3,032.33
177 03/26/2032 $11.37 $753.62 $2,278.71
178 04/26/2032 $8.55 $756.44 $1,522.27
179 05/26/2032 $5.71 $759.28 $762.99
180 06/26/2032 $2.86 $762.99 $0.00
Mortgage amortization schedule for year 16 (2032):
You will spend $4,531.13 on principal $59.67 on interest.
Overall for a $100,000.00 mortgage you will spend $100,000.00 on principal and $37,699.06 on interest.