Finance

Ultimate Mortgage Dashboard

Loan balance vs equity, amortization, rent vs buy, and stress testing — all in one place.

Loan Inputs

Property Price ($)

Down Payment ($) — LTV

Interest Rate (%)

Loan Term (years)

Property Tax ($/yr)

Home Insurance ($/yr)

What if I pay extra?

Monthly Extra ($)

Yearly Extra ($)

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Monthly Payment

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Total Interest

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Loan Amount

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Total Paid

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Loan Balance vs Home Equity (3% appreciation)

Cost Breakdown

Stress Test: Rate Hikes

Current (base rate) —

+1% rate increase —

+2% rate increase —

Rent vs Buy (30-Year Comparison)

Total Cost of Renting

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$/mo × 360 months

Total Cost of Ownership

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P&I + Tax + Insurance

Amortization Schedule

Show schedule

Payment #	Date	Principal	Interest	Extra Payment	Total Payment	Remaining Balance

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Expert Insight 2026

With 30-year rates near 6.75%, a 15-year term saves over $150,000 in interest on a $240K loan. Putting down 20% eliminates PMI ($100–$250/mo). Refinance if rates drop below 6%.

Mortgage FAQ

How is the monthly payment calculated? M = P[r(1+r)^n]/[(1+r)^n-1] where P=principal, r=monthly rate, n=number of payments.

15 vs 30 year? 15-year has higher payments but ~$178K less interest on a $240K loan at 6.75%.

How much can I afford? 28/36 rule: housing ≤28% of gross income, total debt ≤36%.

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