🏠 Advanced Mortgage Calculator FREE - Complete Analysis + Interactive Charts

Our advanced calculator goes beyond simple payment calculations. It includes: complete amortization schedules showing every payment, interactive charts visualizing your loan, extra payment analysis, PMI calculations, taxes and insurance integration, and comparison tools. You get professional-grade analysis that matches what mortgage professionals use.

The amortization schedule uses the same mathematical formulas that banks and lenders use. It's 100% accurate for the inputs provided. Every payment is calculated precisely, showing exact principal and interest amounts, remaining balance, and the impact of extra payments. Results match what you'd receive from your mortgage lender.

The calculator allows three types of extra payments: monthly (added to every payment), annual (once per year), and one-time lump sum. Even small extra payments can save thousands - for example, an extra $100/month on a $300k loan can save $50k+ in interest and pay off the loan 6+ years early. Use the comparison tools to see exact savings.

The charts provide visual insight into your mortgage: (1) Payment Breakdown Chart shows how much of your monthly payment goes to principal, interest, taxes, insurance, and PMI; (2) Loan Balance Chart shows how your remaining balance decreases over time; (3) Comparison Charts show different payment scenarios side-by-side. Visual data makes complex financial information easy to understand.

Yes! The calculator includes comprehensive cost analysis with property taxes, homeowners insurance, PMI (Private Mortgage Insurance), HOA fees, and other monthly costs. This gives you your complete monthly housing payment, not just principal and interest. PMI is automatically calculated if your down payment is less than 20%.

The comprehensive analysis helps you: compare different loan terms (15 vs 30 years), evaluate the impact of larger down payments, understand when PMI can be removed, see how extra payments affect total cost, plan your payment strategy, and visualize long-term costs. You can make data-driven decisions instead of guessing.