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MORTGAGE LOAN CALCULATOR 2025

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Modern mortgage loan calculator

Loan repayment schedule
Monthly payment amount
Savings from extra payments
Payoff mortgage or invest?
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Amount of loan remaining to be repaid

Loan interest rate?

How many payments left?

Decreasing loan payments

I want to overpay the loan

Loan parameters
To pay
1.188.698,61 $
37.86%
62.14%
Capital 450.000,00 $
Interest 738.698,61 $
Ends: 04 April 2055
Remains 360 payments (30 years)
Schedule

Monthly payment
Next payment
Monthly payment for May 2025
3.301,94 $
Monthly payment FIXED
Schedule
NumberMonthCapitalInterestMonthly payment
105-2025301,94 $3.000,00 $3.301,94 $
206-2025303,95 $2.997,99 $3.301,94 $
307-2025305,98 $2.995,96 $3.301,94 $
408-2025308,02 $2.993,92 $3.301,94 $
509-2025310,07 $2.991,87 $3.301,94 $
Total360450.000,00 $738.698,61 $1.188.698,61 $
Records per page:
1-5 of 360
Schedule

Questions and answers

What is a loan (mortgage) overpayment?

Overpayment of a loan refers to the voluntary repayment of part of the debt or the entire amount owed. A loan consists of the principal and interest components. The principal is the amount borrowed from the bank, while the interest is an additional cost paid to the bank in exchange for granting the loan. When paying the monthly loan installment, we return part of the borrowed principal and the interest. Overpayment applies to the principal portion of the loan installment. Under certain conditions, overpayment can reduce the amount of interest that needs to be paid. In practice, this means that by overpaying the loan, we decrease the total interest payable. It is important to remember that overpayment of a loan installment never reduces the total principal amount that must be repaid - in total we must repay the entire amount borrowed.