Calculator Tools
Mortgage Scenario Planner
Mortgage Scenario Planner pairs amortization math with escrow, HOA dues, and extra principal toggles so you can vet payment stacks before committing.
Updated 2024-06-01
Finance
Mortgage Scenario Planner
Model amortization, escrow, and timeline impact for complex mortgage scenarios.
Loan Basics
$
%
%
Carrying Costs
%
$
$
$
Monthly Payment
$3,534.16
$2,709.16 base + escrow
Total Interest
$450,009.21
102.27% of principal
Payoff Timeline
26.0 years
4.0 years saved
Total Cost
$1,133,009.21
Principal + interest + carrying
Amortization Snapshot
| Year | Principal Paid | Interest Paid | Ending Balance |
|---|---|---|---|
| Year 1 | $7,008.37 | $27,301.50 | $432,991.63 |
| Year 2 | $7,459.16 | $26,850.71 | $425,532.47 |
| Year 3 | $7,938.95 | $26,370.92 | $417,593.52 |
| Year 4 | $8,449.59 | $25,860.27 | $409,143.93 |
| Year 5 | $8,993.09 | $25,316.78 | $400,150.84 |
| Year 6 | $9,571.54 | $24,738.33 | $390,579.30 |
Insights
- Adding $150.00 per payment trims roughly 4.0 years off the loan.