Loan Amortization & Mortgage Calculator
Calculate monthly payments, total interest, extra payments, and detailed amortization schedules.
Execution runs 100% locally inside the browser sandbox using HTML5 Canvas, Web Cryptography Subtle API, and Web Workers. No data is ever transmitted across the network.
Zero network latency. Operates completely offline with zero dependencies on third-party backend servers or cloud services.
Built according to official RFC specifications, cryptographic test vectors, and enterprise-grade data transformation standards.
How to Use Loan Amortization & Mortgage Calculator
Input loan amount, annual interest rate, and term length in years.
Optionally test extra monthly principal payments to model early payoff.
Download the complete monthly amortization schedule table.
Frequently Asked Questions
How does extra monthly payment reduce interest?
Extra payments go directly toward reducing loan principal, decreasing subsequent interest charges and shortening total term duration.
Can I export the schedule?
Yes, export your complete schedule to CSV for Excel and Google Sheets.
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