Loan calculator
Every loan has a crossover point.
It's the month your payment flips — from mostly interest to mostly principal. No loan statement shows it to you. Type in your numbers and see exactly when it happens.
$
%
yrs
$
Monthly payment
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Crossover point
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Total interest paid
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Total paid over life of loan
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Principal vs. interest, payment by payment
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Principal (builds your equity)
Interest (the cost of the loan)
This tool illustrates how amortization works using the numbers you enter. It doesn't account for taxes, insurance, PMI, or lender-specific terms, and isn't financial advice — for an actual loan, confirm figures with your lender.