Mortgage calculator
Your monthly payment, payoff date and total interest, and what extra payments save. Use it for a new loan, or for the balance and years left on the one you have. Free, and nothing you type is saved or sent anywhere.
Extra payments
Ask your lender to apply extra money to principal, and check that there's no prepayment penalty. Estimates only: your lender's figures (rounding, escrow changes, the exact payment date) control.
Year-by-year schedule
| Year | Principal paid | Interest paid | Balance at year end |
|---|---|---|---|
| 2026 | $725 | $4,331 | $399,275 |
| 2027 | $4,519 | $25,820 | $394,755 |
| 2028 | $4,822 | $25,517 | $389,933 |
| 2029 | $5,145 | $25,194 | $384,788 |
| 2030 | $5,490 | $24,850 | $379,299 |
| 2031 | $5,857 | $24,482 | $373,441 |
| 2032 | $6,250 | $24,090 | $367,192 |
| 2033 | $6,668 | $23,671 | $360,524 |
| 2034 | $7,115 | $23,225 | $353,409 |
| 2035 | $7,591 | $22,748 | $345,818 |
| 2036 | $8,100 | $22,240 | $337,718 |
| 2037 | $8,642 | $21,697 | $329,076 |
| 2038 | $9,221 | $21,118 | $319,855 |
| 2039 | $9,838 | $20,501 | $310,017 |
| 2040 | $10,497 | $19,842 | $299,520 |
| 2041 | $11,200 | $19,139 | $288,320 |
| 2042 | $11,950 | $18,389 | $276,369 |
| 2043 | $12,751 | $17,589 | $263,619 |
| 2044 | $13,605 | $16,735 | $250,014 |
| 2045 | $14,516 | $15,824 | $235,498 |
| 2046 | $15,488 | $14,851 | $220,011 |
| 2047 | $16,525 | $13,814 | $203,486 |
| 2048 | $17,632 | $12,707 | $185,854 |
| 2049 | $18,813 | $11,527 | $167,041 |
| 2050 | $20,073 | $10,267 | $146,969 |
| 2051 | $21,417 | $8,922 | $125,552 |
| 2052 | $22,851 | $7,488 | $102,700 |
| 2053 | $24,382 | $5,958 | $78,319 |
| 2054 | $26,014 | $4,325 | $52,304 |
| 2055 | $27,757 | $2,583 | $24,548 |
| 2056 | $24,548 | $737 | $0 |
Moving to biweekly pay?
Your mortgage stays monthly, but your paychecks will come every other Friday. The Bills & paycheck planner lines your mortgage and other bills up with your paydays, shows what's left from each check, and works out what your three-paycheck months could take off your loan.
Estimates only, not financial advice. Interest is figured monthly on the remaining balance. Stateys is independent and not affiliated with the State of California or any lender. See all features.