Monthly Payment Calculator
Break a purchase price down into every line of the monthly payment: principal and interest, property tax, homeowners insurance, mortgage insurance and HOA dues — then watch the balance fall across the full term.
= $100,000
Illustrative — not a quoted rate.
Per year, as a share of price.
Per year, as a share of price.
Per month.
Per month, on top of the payment.
Each bar is labelled; nothing here depends on colour alone.
Estimated monthly payment
$3,195
$2,528 principal & interest + $667 escrow and dues
Illustrative only. Not a quote, not an offer of credit, and not an APR.
Balance is the solid area; cumulative interest is dashed; cumulative principal is dotted. Hover any year for the figures.
Amortisation schedule
30 years, running totals at each year end.
| Year | Paid in year | Interest | Principal | Balance | Interest to date | Principal to date |
|---|---|---|---|---|---|---|
| Year 1 · 2026 | $30,339 | $25,868 | $4,471 | $395,529 | $25,868 | $4,471 |
| Year 2 · 2027 | $30,339 | $25,569 | $4,770 | $390,759 | $51,437 | $9,241 |
| Year 3 · 2028 | $30,339 | $25,249 | $5,090 | $385,669 | $76,687 | $14,331 |
| Year 4 · 2029 | $30,339 | $24,909 | $5,431 | $380,238 | $101,595 | $19,762 |
| Year 5 · 2030 | $30,339 | $24,545 | $5,794 | $374,444 | $126,140 | $25,556 |
| Year 6 · 2031 | $30,339 | $24,157 | $6,182 | $368,261 | $150,297 | $31,739 |
| Year 7 · 2032 | $30,339 | $23,743 | $6,596 | $361,665 | $174,040 | $38,335 |
| Year 8 · 2033 | $30,339 | $23,301 | $7,038 | $354,627 | $197,341 | $45,373 |
| Year 9 · 2034 | $30,339 | $22,830 | $7,510 | $347,117 | $220,170 | $52,883 |
| Year 10 · 2035 | $30,339 | $22,327 | $8,013 | $339,105 | $242,497 | $60,895 |
| Year 11 · 2036 | $30,339 | $21,790 | $8,549 | $330,555 | $264,287 | $69,445 |
| Year 12 · 2037 | $30,339 | $21,218 | $9,122 | $321,434 | $285,505 | $78,566 |
| Year 13 · 2038 | $30,339 | $20,607 | $9,733 | $311,701 | $306,111 | $88,299 |
| Year 14 · 2039 | $30,339 | $19,955 | $10,384 | $301,316 | $326,066 | $98,684 |
| Year 15 · 2040 | $30,339 | $19,259 | $11,080 | $290,237 | $345,326 | $109,763 |
| Year 16 · 2041 | $30,339 | $18,517 | $11,822 | $278,415 | $363,843 | $121,585 |
| Year 17 · 2042 | $30,339 | $17,726 | $12,614 | $265,801 | $381,568 | $134,199 |
| Year 18 · 2043 | $30,339 | $16,881 | $13,458 | $252,342 | $398,449 | $147,658 |
| Year 19 · 2044 | $30,339 | $15,979 | $14,360 | $237,983 | $414,429 | $162,017 |
| Year 20 · 2045 | $30,339 | $15,018 | $15,322 | $222,661 | $429,446 | $177,339 |
| Year 21 · 2046 | $30,339 | $13,992 | $16,348 | $206,314 | $443,438 | $193,686 |
| Year 22 · 2047 | $30,339 | $12,897 | $17,442 | $188,871 | $456,335 | $211,129 |
| Year 23 · 2048 | $30,339 | $11,729 | $18,611 | $170,260 | $468,064 | $229,740 |
| Year 24 · 2049 | $30,339 | $10,482 | $19,857 | $150,403 | $478,546 | $249,597 |
| Year 25 · 2050 | $30,339 | $9,152 | $21,187 | $129,217 | $487,698 | $270,783 |
| Year 26 · 2051 | $30,339 | $7,734 | $22,606 | $106,611 | $495,432 | $293,389 |
| Year 27 · 2052 | $30,339 | $6,220 | $24,120 | $82,491 | $501,651 | $317,509 |
| Year 28 · 2053 | $30,339 | $4,604 | $25,735 | $56,756 | $506,256 | $343,244 |
| Year 29 · 2054 | $30,339 | $2,881 | $27,459 | $29,298 | $509,136 | $370,702 |
| Year 30 · 2055 | $30,339 | $1,042 | $29,298 | $0 | $510,178 | $400,000 |
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