⌂
Amortly
30yr AVG
6.87%
Apr 17, 2026
Calculate payments, visualize amortization & model strategies
🏠 New Mortgage
📅 Payoff Tracker
💰 Affordability
🏘 Rent vs Buy
📆 Bi-weekly
📊 ARM vs Fixed
Time to Payoff
Standard
—
Time to Payoff
Accel.
—
Total Interest at Sale
Standard
—
Total Interest at Sale
Accel.
—
Equity at Sale
Standard
—
Equity at Sale
Accel.
—
🔗 Share / Save
Loan Details
Home Value
$
Down Payment
$
20.0% of home value
Interest Rate
%
Loan Term
years
Loan: $320,000
Home Sale Scenario
Model a home sale date
Sale Date
Annual Appreciation
% / yr
Additional Costs
Property Tax
Tax Rate
% / yr
Homeowner's Insurance
Annual Premium
$
HOA Fees
Monthly HOA
$
PMI
Monthly Payment
↻
Refinance Scenario
Model a rate change at a point in your loan
Refi Date
New Rate
%
New Term
years
Closing Costs
$
Roll closing costs into loan
Keep paying original monthly amount after refi
⚡
Early Payoff Strategy
Extra payments, lump sums & sale timing
Extra Monthly Payment
$
Start Date
Annual Increase to Extra Payment
% / yr
Grow extra payment yearly
Lump Sum Payments
+ Add Lump Sum
Loan Balance Over Time
Cumulative Interest Paid
Principal vs Interest Per Payment
Amortization Schedule
🖨 Print
Monthly
Yearly
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Your Existing Loan
Original Loan Amount
$
Interest Rate
%
Loan Term
years
Origination Date
Current Balance
$
Home Value (Current)
$
Used for PMI and sale analysis
Home Sale Scenario
Model a home sale date
Sale Date
Annual Appreciation
% / yr
Additional Costs
Property Tax
Tax Rate
% / yr
Homeowner's Insurance
Annual Premium
$
HOA Fees
Monthly HOA
$
PMI
Monthly Payment & Payoff
↻
Refinance Scenario
Model a rate change on your existing loan
Refi Date
New Rate
%
New Term
years
Closing Costs
$
Roll closing costs into loan
Keep paying current amount after refi
⚡
Extra Payment Strategy
Extra payments, lump sums & sale timing
Extra Monthly Payment
$
Start Date
Annual Increase to Extra Payment
% / yr
Grow extra payment each year
Lump Sum Payments
+ Add Lump Sum
Remaining Balance Over Time
Cumulative Interest Paid
Principal vs Interest Per Payment
Remaining Schedule
🖨 Print
Monthly
Yearly
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How Much House Can I Afford?
Annual Gross Income
$
Monthly Debt Payments
$
Car loans, student loans, credit cards, etc.
Down Payment Available
$
Interest Rate
%
Loan Term
yrs
Property Tax Rate
%/yr
Annual Insurance
$
Your DTI Limit
%
Common rules:
36%
conservative ·
43%
conventional ·
50%
FHA max
Rent vs. Buy Comparison
🏠 Buying Costs
Home Price
$
Down Payment
$
Rate
%
Term
yrs
Annual Home Appreciation
%/yr
Property Tax Rate
%/yr
Annual Homeowner's Insurance
$
Annual Maintenance & Repairs
$
Typically 1–2% of home value per year
🏢 Renting Costs
Monthly Rent
$
Annual Rent Increase
%/yr
Investment Return on Down Payment
%/yr
Time Horizon
years
Bi-weekly Payment Calculator
Loan Amount
$
Interest Rate
%
Loan Term
yrs
Loan Start Date
ARM vs. Fixed-Rate Comparison
📌 Shared Inputs
Loan Amount
$
Loan Term
years
📊 Fixed Rate
Fixed Interest Rate
%
📈 Adjustable Rate (ARM)
Initial Rate
%
Fixed Period
yrs
Rate After Adjust
%
Rate Cap
%
Adjust Every
year(s)