Mortgage PWA

Mortgage Amortization Calculator

United States

Mortgage Amortization Calculator

United States

Mobile-first mortgage calculator with escrow, PMI, extra payments, amortization, charts, and PWA support.

Monthly payment

$2,766

Biweekly

$1,945

Monthly payment

$2,766

Biweekly

$1,945

Estimated monthly payment

$2,766

Includes principal, interest, taxes, insurance, PMI, HOA, and other costs.

Loan amount: $320,000

Payoff date

Feb 2056

Assumes steady rate and current extra payments.

Biweekly estimate

$1,945

Same payoff as monthly schedule.

Total interest

$438,707

Biweekly savings: $351

Payment breakdown

$2,766

76.20% to principal & interest

Principal & interest$2,108

Property tax$400

Home insurance$125

PMI / LMI$133

HOA / Strata$0

Other costs$0

Mortgage Amortization Calculator guide

The mortgage amortization calculator shows your full payment schedule—month by month and year by year. We prefill $400,000, 20% down, 30-year term, and 6.9%. The monthly tab lists each payment with principal, interest, escrow, and ending balance. The yearly tab summarizes by calendar year, useful for tax planning and mortgage interest statements.

Early in the loan, most of your payment goes to interest. Over time, the principal portion grows. Add extra payments to see how the schedule shortens and total interest drops. The donut chart shows the payment breakdown; the line chart tracks balance vs. cumulative interest. All math runs client-side. Install the PWA for offline use.

Amortization schedule

Yearly view

Period	Date	Principal	Interest	Escrow	PMI	Total interest	Ending balance
2026	Jan 2026	$2,746	$18,330	$5,250	$0	$18,330	$317,255
2027	Jan 2027	$3,509	$21,781	$6,300	$0	$40,111	$313,745
2028	Jan 2028	$3,759	$21,531	$6,300	$0	$61,642	$309,986
2029	Jan 2029	$4,027	$21,263	$6,300	$0	$82,905	$305,959
2030	Jan 2030	$4,314	$20,976	$6,300	$0	$103,881	$301,645
2031	Jan 2031	$4,621	$20,669	$6,300	$0	$124,551	$297,024
2032	Jan 2032	$4,950	$20,340	$6,300	$0	$144,891	$292,074
2033	Jan 2033	$5,303	$19,987	$6,300	$0	$164,878	$286,771
2034	Jan 2034	$5,680	$19,610	$6,300	$0	$184,488	$281,091
2035	Jan 2035	$6,085	$19,205	$6,300	$0	$203,693	$275,006
2036	Jan 2036	$6,518	$18,772	$6,300	$0	$222,465	$268,487
2037	Jan 2037	$6,983	$18,308	$6,300	$0	$240,772	$261,505
2038	Jan 2038	$7,480	$17,810	$6,300	$0	$258,583	$254,025
2039	Jan 2039	$8,013	$17,277	$6,300	$0	$275,860	$246,012
2040	Jan 2040	$8,584	$16,707	$6,300	$0	$292,567	$237,428
2041	Jan 2041	$9,195	$16,095	$6,300	$0	$308,662	$228,233
2042	Jan 2042	$9,850	$15,440	$6,300	$0	$324,103	$218,384
2043	Jan 2043	$10,551	$14,739	$6,300	$0	$338,842	$207,832
2044	Jan 2044	$11,303	$13,987	$6,300	$0	$352,829	$196,529
2045	Jan 2045	$12,108	$13,182	$6,300	$0	$366,011	$184,422
2046	Jan 2046	$12,970	$12,320	$6,300	$0	$378,331	$171,451
2047	Jan 2047	$13,894	$11,396	$6,300	$0	$389,728	$157,557
2048	Jan 2048	$14,884	$10,407	$6,300	$0	$400,134	$142,674
2049	Jan 2049	$15,944	$9,347	$6,300	$0	$409,481	$126,730
2050	Jan 2050	$17,079	$8,211	$6,300	$0	$417,692	$109,651
2051	Jan 2051	$18,296	$6,994	$6,300	$0	$424,686	$91,355
2052	Jan 2052	$19,599	$5,691	$6,300	$0	$430,377	$71,756
2053	Jan 2053	$20,995	$4,295	$6,300	$0	$434,673	$50,761
2054	Jan 2054	$22,490	$2,800	$6,300	$0	$437,473	$28,271
2055	Jan 2055	$24,092	$1,198	$6,300	$0	$438,671	$4,179
2056	Jan 2056	$4,179	$36	$1,050	$0	$438,707	$0

Figures include principal, interest, escrow amounts, and PMI where applicable. Minor rounding may occur.

FAQs

Mortgage Amortization Calculator — frequently asked questions

Straight answers about taxes, PMI, extra payments, and biweekly schedules.

Why does most of my payment go to interest at first?+

Amortization front-loads interest because it is calculated on the remaining balance. As you pay down principal, the interest portion shrinks and the principal portion grows.

How do I use the yearly view for taxes?+

The yearly tab shows total interest paid per calendar year. Use it for mortgage interest deductions (if you itemize) and for tax planning.

Can I export the amortization table?+

The table is displayed on screen. You can screenshot or copy the data. Export features may be added in future updates.

How do extra payments change the amortization?+

Extra payments reduce the principal, which shortens the schedule and reduces future interest. The table updates to show the new payoff date.

Does the calculator include PMI in the schedule?+

Yes. When your down payment is below 20%, PMI is included until the balance reaches 80% of the original home price. The table shows when it drops off.

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