Mortgage Calculator - Free Home Loan Calculator | IconVault
Calculate monthly mortgage payments, total interest and a yearly amortization table, with extra-payment modeling. Free, in your browser.
Mortgage Calculator
Payments, amortization and extra-payment modeling
Watch the interest bar shrink as you add extra payments.
5 of 5 free copies left - runs fully on your device.
Monthly payment
$2,212
Total interest
$446,406
Total of payments
$796,406
Payoff in
30y 0m
Principal vs interest per year
Yearly amortization schedule
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $3,912 | $22,635 | $346,088 |
| 2 | $4,174 | $22,373 | $341,914 |
| 3 | $4,454 | $22,093 | $337,460 |
| 4 | $4,752 | $21,795 | $332,709 |
| 5 | $5,070 | $21,477 | $327,638 |
| 6 | $5,410 | $21,137 | $322,229 |
| 7 | $5,772 | $20,775 | $316,457 |
| 8 | $6,158 | $20,388 | $310,298 |
| 9 | $6,571 | $19,976 | $303,727 |
| 10 | $7,011 | $19,536 | $296,716 |
| 11 | $7,481 | $19,066 | $289,236 |
| 12 | $7,982 | $18,565 | $281,254 |
| 13 | $8,516 | $18,031 | $272,738 |
| 14 | $9,086 | $17,460 | $263,652 |
| 15 | $9,695 | $16,852 | $253,957 |
| 16 | $10,344 | $16,203 | $243,613 |
| 17 | $11,037 | $15,510 | $232,576 |
| 18 | $11,776 | $14,771 | $220,800 |
| 19 | $12,565 | $13,982 | $208,235 |
| 20 | $13,406 | $13,141 | $194,828 |
| 21 | $14,304 | $12,243 | $180,524 |
| 22 | $15,262 | $11,285 | $165,262 |
| 23 | $16,284 | $10,263 | $148,978 |
| 24 | $17,375 | $9,172 | $131,603 |
| 25 | $18,538 | $8,008 | $113,065 |
| 26 | $19,780 | $6,767 | $93,285 |
| 27 | $21,105 | $5,442 | $72,180 |
| 28 | $22,518 | $4,029 | $49,662 |
| 29 | $24,026 | $2,521 | $25,635 |
| 30 | $25,635 | $912 | $0 |
Full payoff in year 30. This is a planning estimate - taxes, insurance, HOA and fees are not included.
About this tool
IconVault's Mortgage Calculator computes your monthly payment from the loan amount, interest rate and term, then shows total interest, the payoff timeline and a year-by-year amortization table. Add an extra monthly payment to see exactly how much interest you save and how many years you shave off the loan.
A built-in principal vs interest chart visualizes how your payments shift over time. Everything runs fully in your browser and it is free to try (repeated use may prompt for Pro), ideal for home buyers, refinancing comparisons and budgeting before you talk to a lender.
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