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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 10/21/2019 $375.00 $389.99 $99,610.01
2 11/21/2019 $373.54 $391.45 $99,218.56
3 12/21/2019 $372.07 $392.92 $98,825.64
Mortgage amortization schedule for year 1 (2019):
You will spend $1,174.36 on principal $1,120.61 on interest.
period: date: interest paid: principal paid: remaining balance:
4 01/21/2020 $370.60 $394.39 $98,431.25
5 02/21/2020 $369.12 $395.87 $98,035.38
6 03/21/2020 $367.63 $397.36 $97,638.02
7 04/21/2020 $366.14 $398.85 $97,239.17
8 05/21/2020 $364.65 $400.34 $96,838.83
9 06/21/2020 $363.15 $401.84 $96,436.99
10 07/21/2020 $361.64 $403.35 $96,033.64
11 08/21/2020 $360.13 $404.86 $95,628.78
12 09/21/2020 $358.61 $406.38 $95,222.40
13 10/21/2020 $357.08 $407.91 $94,814.49
14 11/21/2020 $355.55 $409.44 $94,405.05
15 12/21/2020 $354.02 $410.97 $93,994.08
Mortgage amortization schedule for year 2 (2020):
You will spend $4,831.56 on principal $4,348.32 on interest.
period: date: interest paid: principal paid: remaining balance:
16 01/21/2021 $352.48 $412.51 $93,581.57
17 02/21/2021 $350.93 $414.06 $93,167.51
18 03/21/2021 $349.38 $415.61 $92,751.90
19 04/21/2021 $347.82 $417.17 $92,334.73
20 05/21/2021 $346.26 $418.73 $91,916.00
21 06/21/2021 $344.69 $420.30 $91,495.70
22 07/21/2021 $343.11 $421.88 $91,073.82
23 08/21/2021 $341.53 $423.46 $90,650.36
24 09/21/2021 $339.94 $425.05 $90,225.31
25 10/21/2021 $338.34 $426.65 $89,798.66
26 11/21/2021 $336.74 $428.25 $89,370.41
27 12/21/2021 $335.14 $429.85 $88,940.56
Mortgage amortization schedule for year 3 (2021):
You will spend $5,053.52 on principal $4,126.36 on interest.
period: date: interest paid: principal paid: remaining balance:
28 01/21/2022 $333.53 $431.46 $88,509.10
29 02/21/2022 $331.91 $433.08 $88,076.02
30 03/21/2022 $330.29 $434.70 $87,641.32
31 04/21/2022 $328.65 $436.34 $87,204.98
32 05/21/2022 $327.02 $437.97 $86,767.01
33 06/21/2022 $325.38 $439.61 $86,327.40
34 07/21/2022 $323.73 $441.26 $85,886.14
35 08/21/2022 $322.07 $442.92 $85,443.22
36 09/21/2022 $320.41 $444.58 $84,998.64
37 10/21/2022 $318.74 $446.25 $84,552.39
38 11/21/2022 $317.07 $447.92 $84,104.47
39 12/21/2022 $315.39 $449.60 $83,654.87
Mortgage amortization schedule for year 4 (2022):
You will spend $5,285.69 on principal $3,894.19 on interest.
period: date: interest paid: principal paid: remaining balance:
40 01/21/2023 $313.71 $451.28 $83,203.59
41 02/21/2023 $312.01 $452.98 $82,750.61
42 03/21/2023 $310.31 $454.68 $82,295.93
43 04/21/2023 $308.61 $456.38 $81,839.55
44 05/21/2023 $306.90 $458.09 $81,381.46
45 06/21/2023 $305.18 $459.81 $80,921.65
46 07/21/2023 $303.46 $461.53 $80,460.12
47 08/21/2023 $301.73 $463.26 $79,996.86
48 09/21/2023 $299.99 $465.00 $79,531.86
49 10/21/2023 $298.24 $466.75 $79,065.11
50 11/21/2023 $296.49 $468.50 $78,596.61
51 12/21/2023 $294.74 $470.25 $78,126.36
Mortgage amortization schedule for year 5 (2023):
You will spend $5,528.51 on principal $3,651.37 on interest.
period: date: interest paid: principal paid: remaining balance:
52 01/21/2024 $292.97 $472.02 $77,654.34
53 02/21/2024 $291.20 $473.79 $77,180.55
54 03/21/2024 $289.43 $475.56 $76,704.99
55 04/21/2024 $287.64 $477.35 $76,227.64
56 05/21/2024 $285.85 $479.14 $75,748.50
57 06/21/2024 $284.06 $480.93 $75,267.57
58 07/21/2024 $282.25 $482.74 $74,784.83
59 08/21/2024 $280.44 $484.55 $74,300.28
60 09/21/2024 $278.63 $486.36 $73,813.92
61 10/21/2024 $276.80 $488.19 $73,325.73
62 11/21/2024 $274.97 $490.02 $72,835.71
63 12/21/2024 $273.13 $491.86 $72,343.85
Mortgage amortization schedule for year 6 (2024):
You will spend $5,782.51 on principal $3,397.37 on interest.
period: date: interest paid: principal paid: remaining balance:
64 01/21/2025 $271.29 $493.70 $71,850.15
65 02/21/2025 $269.44 $495.55 $71,354.60
66 03/21/2025 $267.58 $497.41 $70,857.19
67 04/21/2025 $265.71 $499.28 $70,357.91
68 05/21/2025 $263.84 $501.15 $69,856.76
69 06/21/2025 $261.96 $503.03 $69,353.73
70 07/21/2025 $260.08 $504.91 $68,848.82
71 08/21/2025 $258.18 $506.81 $68,342.01
72 09/21/2025 $256.28 $508.71 $67,833.30
73 10/21/2025 $254.37 $510.62 $67,322.68
74 11/21/2025 $252.46 $512.53 $66,810.15
75 12/21/2025 $250.54 $514.45 $66,295.70
Mortgage amortization schedule for year 7 (2025):
You will spend $6,048.15 on principal $3,131.73 on interest.
period: date: interest paid: principal paid: remaining balance:
76 01/21/2026 $248.61 $516.38 $65,779.32
77 02/21/2026 $246.67 $518.32 $65,261.00
78 03/21/2026 $244.73 $520.26 $64,740.74
79 04/21/2026 $242.78 $522.21 $64,218.53
80 05/21/2026 $240.82 $524.17 $63,694.36
81 06/21/2026 $238.85 $526.14 $63,168.22
82 07/21/2026 $236.88 $528.11 $62,640.11
83 08/21/2026 $234.90 $530.09 $62,110.02
84 09/21/2026 $232.91 $532.08 $61,577.94
85 10/21/2026 $230.92 $534.07 $61,043.87
86 11/21/2026 $228.91 $536.08 $60,507.79
87 12/21/2026 $226.90 $538.09 $59,969.70
Mortgage amortization schedule for year 8 (2026):
You will spend $6,326.00 on principal $2,853.88 on interest.
period: date: interest paid: principal paid: remaining balance:
88 01/21/2027 $224.89 $540.10 $59,429.60
89 02/21/2027 $222.86 $542.13 $58,887.47
90 03/21/2027 $220.83 $544.16 $58,343.31
91 04/21/2027 $218.79 $546.20 $57,797.11
92 05/21/2027 $216.74 $548.25 $57,248.86
93 06/21/2027 $214.68 $550.31 $56,698.55
94 07/21/2027 $212.62 $552.37 $56,146.18
95 08/21/2027 $210.55 $554.44 $55,591.74
96 09/21/2027 $208.47 $556.52 $55,035.22
97 10/21/2027 $206.38 $558.61 $54,476.61
98 11/21/2027 $204.29 $560.70 $53,915.91
99 12/21/2027 $202.18 $562.81 $53,353.10
Mortgage amortization schedule for year 9 (2027):
You will spend $6,616.60 on principal $2,563.28 on interest.
period: date: interest paid: principal paid: remaining balance:
100 01/21/2028 $200.07 $564.92 $52,788.18
101 02/21/2028 $197.96 $567.03 $52,221.15
102 03/21/2028 $195.83 $569.16 $51,651.99
103 04/21/2028 $193.69 $571.30 $51,080.69
104 05/21/2028 $191.55 $573.44 $50,507.25
105 06/21/2028 $189.40 $575.59 $49,931.66
106 07/21/2028 $187.24 $577.75 $49,353.91
107 08/21/2028 $185.08 $579.91 $48,774.00
108 09/21/2028 $182.90 $582.09 $48,191.91
109 10/21/2028 $180.72 $584.27 $47,607.64
110 11/21/2028 $178.53 $586.46 $47,021.18
111 12/21/2028 $176.33 $588.66 $46,432.52
Mortgage amortization schedule for year 10 (2028):
You will spend $6,920.58 on principal $2,259.30 on interest.
period: date: interest paid: principal paid: remaining balance:
112 01/21/2029 $174.12 $590.87 $45,841.65
113 02/21/2029 $171.91 $593.08 $45,248.57
114 03/21/2029 $169.68 $595.31 $44,653.26
115 04/21/2029 $167.45 $597.54 $44,055.72
116 05/21/2029 $165.21 $599.78 $43,455.94
117 06/21/2029 $162.96 $602.03 $42,853.91
118 07/21/2029 $160.70 $604.29 $42,249.62
119 08/21/2029 $158.44 $606.55 $41,643.07
120 09/21/2029 $156.16 $608.83 $41,034.24
121 10/21/2029 $153.88 $611.11 $40,423.13
122 11/21/2029 $151.59 $613.40 $39,809.73
123 12/21/2029 $149.29 $615.70 $39,194.03
Mortgage amortization schedule for year 11 (2029):
You will spend $7,238.49 on principal $1,941.39 on interest.
period: date: interest paid: principal paid: remaining balance:
124 01/21/2030 $146.98 $618.01 $38,576.02
125 02/21/2030 $144.66 $620.33 $37,955.69
126 03/21/2030 $142.33 $622.66 $37,333.03
127 04/21/2030 $140.00 $624.99 $36,708.04
128 05/21/2030 $137.66 $627.33 $36,080.71
129 06/21/2030 $135.30 $629.69 $35,451.02
130 07/21/2030 $132.94 $632.05 $34,818.97
131 08/21/2030 $130.57 $634.42 $34,184.55
132 09/21/2030 $128.19 $636.80 $33,547.75
133 10/21/2030 $125.80 $639.19 $32,908.56
134 11/21/2030 $123.41 $641.58 $32,266.98
135 12/21/2030 $121.00 $643.99 $31,622.99
Mortgage amortization schedule for year 12 (2030):
You will spend $7,571.04 on principal $1,608.84 on interest.
period: date: interest paid: principal paid: remaining balance:
136 01/21/2031 $118.59 $646.40 $30,976.59
137 02/21/2031 $116.16 $648.83 $30,327.76
138 03/21/2031 $113.73 $651.26 $29,676.50
139 04/21/2031 $111.29 $653.70 $29,022.80
140 05/21/2031 $108.84 $656.15 $28,366.65
141 06/21/2031 $106.37 $658.62 $27,708.03
142 07/21/2031 $103.91 $661.08 $27,046.95
143 08/21/2031 $101.43 $663.56 $26,383.39
144 09/21/2031 $98.94 $666.05 $25,717.34
145 10/21/2031 $96.44 $668.55 $25,048.79
146 11/21/2031 $93.93 $671.06 $24,377.73
147 12/21/2031 $91.42 $673.57 $23,704.16
Mortgage amortization schedule for year 13 (2031):
You will spend $7,918.83 on principal $1,261.05 on interest.
period: date: interest paid: principal paid: remaining balance:
148 01/21/2032 $88.89 $676.10 $23,028.06
149 02/21/2032 $86.36 $678.63 $22,349.43
150 03/21/2032 $83.81 $681.18 $21,668.25
151 04/21/2032 $81.26 $683.73 $20,984.52
152 05/21/2032 $78.69 $686.30 $20,298.22
153 06/21/2032 $76.12 $688.87 $19,609.35
154 07/21/2032 $73.54 $691.45 $18,917.90
155 08/21/2032 $70.94 $694.05 $18,223.85
156 09/21/2032 $68.34 $696.65 $17,527.20
157 10/21/2032 $65.73 $699.26 $16,827.94
158 11/21/2032 $63.10 $701.89 $16,126.05
159 12/21/2032 $60.47 $704.52 $15,421.53
Mortgage amortization schedule for year 14 (2032):
You will spend $8,282.63 on principal $897.25 on interest.
period: date: interest paid: principal paid: remaining balance:
160 01/21/2033 $57.83 $707.16 $14,714.37
161 02/21/2033 $55.18 $709.81 $14,004.56
162 03/21/2033 $52.52 $712.47 $13,292.09
163 04/21/2033 $49.85 $715.14 $12,576.95
164 05/21/2033 $47.16 $717.83 $11,859.12
165 06/21/2033 $44.47 $720.52 $11,138.60
166 07/21/2033 $41.77 $723.22 $10,415.38
167 08/21/2033 $39.06 $725.93 $9,689.45
168 09/21/2033 $36.34 $728.65 $8,960.80
169 10/21/2033 $33.60 $731.39 $8,229.41
170 11/21/2033 $30.86 $734.13 $7,495.28
171 12/21/2033 $28.11 $736.88 $6,758.40
Mortgage amortization schedule for year 15 (2033):
You will spend $8,663.13 on principal $516.75 on interest.
period: date: interest paid: principal paid: remaining balance:
172 01/21/2034 $25.34 $739.65 $6,018.75
173 02/21/2034 $22.57 $742.42 $5,276.33
174 03/21/2034 $19.79 $745.20 $4,531.13
175 04/21/2034 $16.99 $748.00 $3,783.13
176 05/21/2034 $14.19 $750.80 $3,032.33
177 06/21/2034 $11.37 $753.62 $2,278.71
178 07/21/2034 $8.55 $756.44 $1,522.27
179 08/21/2034 $5.71 $759.28 $762.99
180 09/21/2034 $2.86 $762.99 $0.00
Mortgage amortization schedule for year 16 (2034):
You will spend $6,758.40 on principal $127.37 on interest.
Overall for a $100,000.00 mortgage you will spend $100,000.00 on principal and $37,699.06 on interest.