Loan & Mortgage Calculator
Accurately estimate monthly payments, loan interest, and review your full amortization schedule.
Monthly Payment (P&I)
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Total Interest Paid
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Total Cost of Loan
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📅 Tableau d'amortissement annuel
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|
How are mortgage payments calculated?
Fixed-rate loan amortization uses an annuity formula where each monthly payment remains identical while the split between principal reduction and accrued interest shifts progressively over time.
The true cost of loan duration and interest
Shortening loan term from 25 to 20 years substantially decreases total interest paid, even if monthly installments are marginally higher.