Debt

Mortgage Analyzer

See your monthly payment, total interest, and the impact of refinancing or paying extra principal.

Your loan

Edit your loan details — refinance and extra-payment scenarios update live below.

Loan details

Home price

Down payment

Interest rate

Term Property tax (annual)

— Insurance (annual)

— HOA (monthly)

Monthly payment

Total monthly (PITI + HOA)

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— at —%

Principal & interest

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Property tax

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Insurance

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PMI

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Total interest over loan

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Extra payment impact

Pay extra principal each month to shorten your loan, or work backward from a target payoff date to find the extra you'd need.

Plan around…

Extra principal/mo

New payoff date

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Time saved

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Interest saved

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Refinance scenario

Compare a new rate to your current loan to find the break-even point.

New interest rate

Refinance closing costs

Refinance break-even

New monthly P&I

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Monthly savings

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Break-even point

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How long it takes the monthly savings to recover your closing costs.

Keep going

True Cost of Homeownership

The all-in monthly cost — including the CapEx reserve nobody plans for.

Beyond mortgage→

Debt Payoff

Combine your mortgage with other debts and find the fastest payoff order.