Loan & Mortgage Calculator

Calculate payments with extra payment analysis, CSV export, and comparison mode

🔒 Files never leave your browser
Mode:
Payment Frequency:

How to Use Loan & Mortgage Calculator

Enter loan details

Input the loan amount, interest rate, and loan term.

Calculate

View your monthly payment, total interest, and total cost.

Review schedule

See the full amortization schedule breakdown.

Why Choose AllTools Loan & Mortgage Calculator?

  • ✓ 100% free, no account needed
  • ✓ No data stored or transmitted
  • ✓ Amortization schedule breakdown
  • ✓ Supports various loan types
  • ✓ Instant calculation results
  • ✓ Extra monthly payment analysis
  • ✓ Biweekly payment schedule
  • ✓ Export amortization to CSV
  • ✓ Principal vs interest pie chart
  • ✓ Loan comparison mode
  • ✓ Early payoff date calculation

Frequently Asked Questions

Is this loan calculator accurate? ▼
Yes. It uses standard amortization formulas used by banks and financial institutions.
Is my financial data stored? ▼
No. All calculations happen in your browser. Nothing is sent to any server.
Can I calculate mortgage payments? ▼
Yes, this calculator works for mortgages, car loans, personal loans, and any fixed-rate loan.
What is an amortization schedule? ▼
An amortization schedule shows the breakdown of each payment into principal and interest over the life of the loan.
Can I compare different loan scenarios? ▼
Yes, use comparison mode to place two loan scenarios side by side and see the difference in total cost.
How do extra payments work? ▼
Enter an extra monthly payment amount to see how much interest you save and how many months earlier you pay off the loan.
What is biweekly payment? ▼
Biweekly payments split your monthly payment in half and pay every two weeks. This results in 26 half-payments (13 full payments) per year, paying off your loan faster.
Can I export the amortization schedule? ▼
Yes, click the CSV export button to download the full amortization schedule as a spreadsheet-compatible file.
Does this work on mobile? ▼
Yes, all AllTools tools are mobile-optimized and work on iOS and Android browsers.

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