Mortgage Calculator & Payoff

Mortgage calculator with extra payment simulation. US + Korea, PDF export.

Mortgage Calculator & Payoff computes the monthly mortgage payment, total interest, and 30-year cash out for a US or Korean home loan. Enter home price, down payment, rate, and term. The mortgage calculator updates as you slide.

Pay extra principal each month and watch the loan shrink. Add $200 to principal and the mortgage calculator shows exactly how many years come off the term and how much interest you keep. No spreadsheet.

For a US home loan the full PITI breakdown runs — principal and interest, property tax, insurance, HOA, and PMI when loan-to-value is above 80%. PMI auto-drops at 78% LTV. The amortization chart plots cumulative principal vs. interest across the full term, with a tap-to-read tooltip at any month.

Switch the app language to Korean and the engine flips to a 주택담보대출 mode with 원리금균등 / 원금균등 / 만기일시 repayment types plus a grace period. The affordability check runs the Korean DSR 40% rule and warns when existing debt already fills your cap.

The affordability tab runs the math backwards. Enter income and existing debt. The calculator returns the max home price you qualify for, DTI-based in the US and DSR-based in Korea.

Exports to PDF include a summary page, full-size chart, and an amortization schedule split by year. Saved calculations live on the device and you can reopen them anytime.

This mortgage calculator is free. No account, no cloud sync, no email.