Mortgage Comparison Calculator
Compare up to four mortgages side by side: payments, PMI, points break-even, total cost and payoff date.
Shared home costs
15% of the home price. Blank option loan fields use $382,500.
Defaults to this month; sets payoff and amortisation dates.
Charged only while the balance is above 80% of the home price.
Used for break-even only; rate sheets typically quote about 0.25%.
Loan amount: each option uses home price minus down payment ($382,500) unless you type an explicit loan amount into that option. Property tax is $4,950/year, insurance is $1,800/year, and PMI is 0.5%/year of the loan while the loan-to-value ratio is above 80%.
Loan options (3 of 4)
Blank: uses $382,500.
Blank: uses $382,500.
Blank: uses $382,500.
Monthly payment breakdown
30-year fixed
6.5% · 30 yr · LTV 85%
$3,139.54 / month
- Principal and interest
- $2,417.66
- Property tax
- $412.50
- Insurance
- $150.00
- PMI (56 months)
- $159.38
- HOA
- —
- Monthly payment
- $3,139.54
- Total interest over the term
- $487,857.67
- Discount points cost
- $0.00
- Other fees
- $1,600.00
- Cash to close (down payment + points + fees)
- $69,100.00
- Total cost (interest, points, fees, tax, insurance, PMI, HOA)
- $700,882.67
- Payoff date
- —
15-year fixed
5.75% · 15 yr · LTV 85%
$3,898.19 / month
- Principal and interest
- $3,176.32
- Property tax
- $412.50
- Insurance
- $150.00
- PMI (17 months)
- $159.38
- HOA
- —
- Monthly payment
- $3,898.19
- Total interest over the term
- $189,237.34
- Discount points cost
- $3,825.00
- Other fees
- $1,600.00
- Cash to close (down payment + points + fees)
- $72,925.00
- Total cost (interest, points, fees, tax, insurance, PMI, HOA)
- $298,621.72
- Payoff date
- —
7/1 ARM
5.875% · 30 yr · LTV 85%
$2,984.51 / month
- Principal and interest
- $2,262.63
- Property tax
- $412.50
- Insurance
- $150.00
- PMI (51 months)
- $159.38
- HOA
- —
- Monthly payment
- $2,984.51
Fixed at $2,262.63 for 84 months, then $2,604.71 after the reset to 7.5%. Adjustment caps, floors and margins are not modelled.
- Total interest over the term
- $526,461.84
- Discount points cost
- $1,912.50
- Other fees
- $1,600.00
- Cash to close (down payment + points + fees)
- $71,012.50
- Total cost (interest, points, fees, tax, insurance, PMI, HOA)
- $740,602.46
- Payoff date
- —
Comparison
| Option | Term | Monthly payment | Principal and interest | Total interest | Points | Fees | Cash to close | Total cost | vs cheapest |
|---|---|---|---|---|---|---|---|---|---|
| 30-year fixed | 30 yr | $3,139.54 | $2,417.66 | $487,857.67 | $0.00 | $1,600.00 | $69,100.00 | $700,882.67 | $402,260.95 |
| 15-year fixedLowest total cost | 15 yr | $3,898.19 | $3,176.32 | $189,237.34 | $3,825.00 | $1,600.00 | $72,925.00 | $298,621.72 | Cheapest |
| 7/1 ARM | 30 yr | $2,984.51 | $2,262.63 | $526,461.84 | $1,912.50 | $1,600.00 | $71,012.50 | $740,602.46 | $441,980.74 |
Ranked by total cost over the full term (interest, points, fees, property tax, insurance, PMI and HOA). 15-year fixed is cheapest at $298,621.72. 30-year fixed costs $402,260.95 more than 15-year fixed over 30 years. A shorter term usually costs less overall but more each month, so compare the monthly column too.
Discount points break-even
Break-even is the points cost divided by the monthly saving against the same loan with no points, assuming each point lowers the rate by 0.25%/year (adjust it under shared home costs).
| Option | Points cost | Payment with points | Payment with no points | Monthly saving | Break-even |
|---|---|---|---|---|---|
| 30-year fixed | No discount points on this option. | ||||
| 15-year fixed | $3,825.00 | $3,176.32 | $3,227.75 | $51.43 | 75 months |
| 7/1 ARM | $1,912.50 | $2,262.63 | $2,293.28 | $30.65 | 63 months |
Cumulative interest over time
One line per option showing interest paid so far; the curve flattens as the balance shrinks. The CSV export contains every monthly amortisation row.
Amortisation schedule
| Month | Date | Payment | Interest | Principal | Remaining balance | Cumulative interest |
|---|---|---|---|---|---|---|
| 1 | — | $2,417.66 | $2,071.88 | $345.79 | $382,154.21 | $2,071.88 |
| 2 | — | $2,417.66 | $2,070.00 | $347.66 | $381,806.56 | $4,141.88 |
| 3 | — | $2,417.66 | $2,068.12 | $349.54 | $381,457.02 | $6,210.00 |
| 4 | — | $2,417.66 | $2,066.23 | $351.43 | $381,105.58 | $8,276.22 |
| 5 | — | $2,417.66 | $2,064.32 | $353.34 | $380,752.24 | $10,340.54 |
| 6 | — | $2,417.66 | $2,062.41 | $355.25 | $380,396.99 | $12,402.95 |
| 7 | — | $2,417.66 | $2,060.48 | $357.18 | $380,039.81 | $14,463.43 |
| 8 | — | $2,417.66 | $2,058.55 | $359.11 | $379,680.70 | $16,521.98 |
| 9 | — | $2,417.66 | $2,056.60 | $361.06 | $379,319.65 | $18,578.59 |
| 10 | — | $2,417.66 | $2,054.65 | $363.01 | $378,956.63 | $20,633.24 |
| 11 | — | $2,417.66 | $2,052.68 | $364.98 | $378,591.66 | $22,685.92 |
| 12 | — | $2,417.66 | $2,050.70 | $366.96 | $378,224.70 | $24,736.62 |
| 13 | — | $2,417.66 | $2,048.72 | $368.94 | $377,855.76 | $26,785.34 |
| 14 | — | $2,417.66 | $2,046.72 | $370.94 | $377,484.82 | $28,832.06 |
| 15 | — | $2,417.66 | $2,044.71 | $372.95 | $377,111.86 | $30,876.77 |
| 16 | — | $2,417.66 | $2,042.69 | $374.97 | $376,736.89 | $32,919.46 |
| 17 | — | $2,417.66 | $2,040.66 | $377.00 | $376,359.89 | $34,960.12 |
| 18 | — | $2,417.66 | $2,038.62 | $379.04 | $375,980.85 | $36,998.73 |
| 19 | — | $2,417.66 | $2,036.56 | $381.10 | $375,599.75 | $39,035.29 |
| 20 | — | $2,417.66 | $2,034.50 | $383.16 | $375,216.59 | $41,069.79 |
| 21 | — | $2,417.66 | $2,032.42 | $385.24 | $374,831.35 | $43,102.22 |
| 22 | — | $2,417.66 | $2,030.34 | $387.32 | $374,444.03 | $45,132.55 |
| 23 | — | $2,417.66 | $2,028.24 | $389.42 | $374,054.61 | $47,160.79 |
| 24 | — | $2,417.66 | $2,026.13 | $391.53 | $373,663.08 | $49,186.92 |
| 25 | — | $2,417.66 | $2,024.01 | $393.65 | $373,269.42 | $51,210.93 |
| 26 | — | $2,417.66 | $2,021.88 | $395.78 | $372,873.64 | $53,232.80 |
| 27 | — | $2,417.66 | $2,019.73 | $397.93 | $372,475.71 | $55,252.54 |
| 28 | — | $2,417.66 | $2,017.58 | $400.08 | $372,075.63 | $57,270.11 |
| 29 | — | $2,417.66 | $2,015.41 | $402.25 | $371,673.38 | $59,285.52 |
| 30 | — | $2,417.66 | $2,013.23 | $404.43 | $371,268.95 | $61,298.75 |
| 31 | — | $2,417.66 | $2,011.04 | $406.62 | $370,862.33 | $63,309.79 |
| 32 | — | $2,417.66 | $2,008.84 | $408.82 | $370,453.51 | $65,318.63 |
| 33 | — | $2,417.66 | $2,006.62 | $411.04 | $370,042.47 | $67,325.25 |
| 34 | — | $2,417.66 | $2,004.40 | $413.26 | $369,629.20 | $69,329.65 |
| 35 | — | $2,417.66 | $2,002.16 | $415.50 | $369,213.70 | $71,331.81 |
| 36 | — | $2,417.66 | $1,999.91 | $417.75 | $368,795.95 | $73,331.72 |
| 37 | — | $2,417.66 | $1,997.64 | $420.02 | $368,375.93 | $75,329.36 |
| 38 | — | $2,417.66 | $1,995.37 | $422.29 | $367,953.64 | $77,324.73 |
| 39 | — | $2,417.66 | $1,993.08 | $424.58 | $367,529.07 | $79,317.81 |
| 40 | — | $2,417.66 | $1,990.78 | $426.88 | $367,102.19 | $81,308.60 |
| 41 | — | $2,417.66 | $1,988.47 | $429.19 | $366,673.00 | $83,297.07 |
| 42 | — | $2,417.66 | $1,986.15 | $431.51 | $366,241.48 | $85,283.21 |
| 43 | — | $2,417.66 | $1,983.81 | $433.85 | $365,807.63 | $87,267.02 |
| 44 | — | $2,417.66 | $1,981.46 | $436.20 | $365,371.43 | $89,248.48 |
| 45 | — | $2,417.66 | $1,979.10 | $438.56 | $364,932.86 | $91,227.57 |
| 46 | — | $2,417.66 | $1,976.72 | $440.94 | $364,491.92 | $93,204.29 |
| 47 | — | $2,417.66 | $1,974.33 | $443.33 | $364,048.60 | $95,178.62 |
| 48 | — | $2,417.66 | $1,971.93 | $445.73 | $363,602.86 | $97,150.55 |
| 49 | — | $2,417.66 | $1,969.52 | $448.14 | $363,154.72 | $99,120.07 |
| 50 | — | $2,417.66 | $1,967.09 | $450.57 | $362,704.15 | $101,087.16 |
| 51 | — | $2,417.66 | $1,964.65 | $453.01 | $362,251.14 | $103,051.80 |
| 52 | — | $2,417.66 | $1,962.19 | $455.47 | $361,795.67 | $105,014.00 |
| 53 | — | $2,417.66 | $1,959.73 | $457.93 | $361,337.74 | $106,973.73 |
| 54 | — | $2,417.66 | $1,957.25 | $460.41 | $360,877.32 | $108,930.97 |
| 55 | — | $2,417.66 | $1,954.75 | $462.91 | $360,414.41 | $110,885.72 |
| 56 | — | $2,417.66 | $1,952.24 | $465.42 | $359,949.00 | $112,837.97 |
| 57 | — | $2,417.66 | $1,949.72 | $467.94 | $359,481.06 | $114,787.69 |
| 58 | — | $2,417.66 | $1,947.19 | $470.47 | $359,010.59 | $116,734.88 |
| 59 | — | $2,417.66 | $1,944.64 | $473.02 | $358,537.57 | $118,679.52 |
| 60 | — | $2,417.66 | $1,942.08 | $475.58 | $358,061.99 | $120,621.60 |
| 61 | — | $2,417.66 | $1,939.50 | $478.16 | $357,583.83 | $122,561.10 |
| 62 | — | $2,417.66 | $1,936.91 | $480.75 | $357,103.08 | $124,498.01 |
| 63 | — | $2,417.66 | $1,934.31 | $483.35 | $356,619.73 | $126,432.32 |
| 64 | — | $2,417.66 | $1,931.69 | $485.97 | $356,133.76 | $128,364.01 |
| 65 | — | $2,417.66 | $1,929.06 | $488.60 | $355,645.16 | $130,293.07 |
| 66 | — | $2,417.66 | $1,926.41 | $491.25 | $355,153.91 | $132,219.48 |
| 67 | — | $2,417.66 | $1,923.75 | $493.91 | $354,660.00 | $134,143.23 |
| 68 | — | $2,417.66 | $1,921.08 | $496.59 | $354,163.42 | $136,064.31 |
| 69 | — | $2,417.66 | $1,918.39 | $499.28 | $353,664.14 | $137,982.69 |
| 70 | — | $2,417.66 | $1,915.68 | $501.98 | $353,162.16 | $139,898.37 |
| 71 | — | $2,417.66 | $1,912.96 | $504.70 | $352,657.46 | $141,811.34 |
| 72 | — | $2,417.66 | $1,910.23 | $507.43 | $352,150.03 | $143,721.56 |
| 73 | — | $2,417.66 | $1,907.48 | $510.18 | $351,639.85 | $145,629.04 |
| 74 | — | $2,417.66 | $1,904.72 | $512.94 | $351,126.90 | $147,533.76 |
| 75 | — | $2,417.66 | $1,901.94 | $515.72 | $350,611.18 | $149,435.70 |
| 76 | — | $2,417.66 | $1,899.14 | $518.52 | $350,092.67 | $151,334.84 |
| 77 | — | $2,417.66 | $1,896.34 | $521.32 | $349,571.34 | $153,231.18 |
| 78 | — | $2,417.66 | $1,893.51 | $524.15 | $349,047.19 | $155,124.69 |
| 79 | — | $2,417.66 | $1,890.67 | $526.99 | $348,520.20 | $157,015.36 |
| 80 | — | $2,417.66 | $1,887.82 | $529.84 | $347,990.36 | $158,903.18 |
| 81 | — | $2,417.66 | $1,884.95 | $532.71 | $347,457.65 | $160,788.12 |
| 82 | — | $2,417.66 | $1,882.06 | $535.60 | $346,922.05 | $162,670.19 |
| 83 | — | $2,417.66 | $1,879.16 | $538.50 | $346,383.55 | $164,549.35 |
| 84 | — | $2,417.66 | $1,876.24 | $541.42 | $345,842.14 | $166,425.59 |
| 85 | — | $2,417.66 | $1,873.31 | $544.35 | $345,297.79 | $168,298.90 |
| 86 | — | $2,417.66 | $1,870.36 | $547.30 | $344,750.49 | $170,169.27 |
| 87 | — | $2,417.66 | $1,867.40 | $550.26 | $344,200.23 | $172,036.67 |
| 88 | — | $2,417.66 | $1,864.42 | $553.24 | $343,646.99 | $173,901.08 |
| 89 | — | $2,417.66 | $1,861.42 | $556.24 | $343,090.75 | $175,762.50 |
| 90 | — | $2,417.66 | $1,858.41 | $559.25 | $342,531.50 | $177,620.91 |
| 91 | — | $2,417.66 | $1,855.38 | $562.28 | $341,969.21 | $179,476.29 |
| 92 | — | $2,417.66 | $1,852.33 | $565.33 | $341,403.89 | $181,328.62 |
| 93 | — | $2,417.66 | $1,849.27 | $568.39 | $340,835.50 | $183,177.90 |
| 94 | — | $2,417.66 | $1,846.19 | $571.47 | $340,264.03 | $185,024.09 |
| 95 | — | $2,417.66 | $1,843.10 | $574.56 | $339,689.47 | $186,867.18 |
| 96 | — | $2,417.66 | $1,839.98 | $577.68 | $339,111.79 | $188,707.17 |
| 97 | — | $2,417.66 | $1,836.86 | $580.80 | $338,530.99 | $190,544.03 |
| 98 | — | $2,417.66 | $1,833.71 | $583.95 | $337,947.04 | $192,377.73 |
| 99 | — | $2,417.66 | $1,830.55 | $587.11 | $337,359.92 | $194,208.28 |
| 100 | — | $2,417.66 | $1,827.37 | $590.29 | $336,769.63 | $196,035.65 |
| 101 | — | $2,417.66 | $1,824.17 | $593.49 | $336,176.14 | $197,859.82 |
| 102 | — | $2,417.66 | $1,820.95 | $596.71 | $335,579.43 | $199,680.77 |
| 103 | — | $2,417.66 | $1,817.72 | $599.94 | $334,979.49 | $201,498.49 |
| 104 | — | $2,417.66 | $1,814.47 | $603.19 | $334,376.30 | $203,312.96 |
| 105 | — | $2,417.66 | $1,811.20 | $606.46 | $333,769.85 | $205,124.17 |
| 106 | — | $2,417.66 | $1,807.92 | $609.74 | $333,160.11 | $206,932.09 |
| 107 | — | $2,417.66 | $1,804.62 | $613.04 | $332,547.07 | $208,736.71 |
| 108 | — | $2,417.66 | $1,801.30 | $616.36 | $331,930.70 | $210,538.00 |
| 109 | — | $2,417.66 | $1,797.96 | $619.70 | $331,311.00 | $212,335.96 |
| 110 | — | $2,417.66 | $1,794.60 | $623.06 | $330,687.94 | $214,130.56 |
| 111 | — | $2,417.66 | $1,791.23 | $626.43 | $330,061.51 | $215,921.79 |
| 112 | — | $2,417.66 | $1,787.83 | $629.83 | $329,431.68 | $217,709.62 |
| 113 | — | $2,417.66 | $1,784.42 | $633.24 | $328,798.44 | $219,494.04 |
| 114 | — | $2,417.66 | $1,780.99 | $636.67 | $328,161.77 | $221,275.04 |
| 115 | — | $2,417.66 | $1,777.54 | $640.12 | $327,521.66 | $223,052.58 |
| 116 | — | $2,417.66 | $1,774.08 | $643.58 | $326,878.07 | $224,826.65 |
| 117 | — | $2,417.66 | $1,770.59 | $647.07 | $326,231.00 | $226,597.24 |
| 118 | — | $2,417.66 | $1,767.08 | $650.58 | $325,580.43 | $228,364.33 |
| 119 | — | $2,417.66 | $1,763.56 | $654.10 | $324,926.33 | $230,127.89 |
| 120 | — | $2,417.66 | $1,760.02 | $657.64 | $324,268.68 | $231,887.91 |
| 121 | — | $2,417.66 | $1,756.46 | $661.20 | $323,607.48 | $233,644.36 |
| 122 | — | $2,417.66 | $1,752.87 | $664.79 | $322,942.69 | $235,397.24 |
| 123 | — | $2,417.66 | $1,749.27 | $668.39 | $322,274.30 | $237,146.51 |
| 124 | — | $2,417.66 | $1,745.65 | $672.01 | $321,602.30 | $238,892.16 |
| 125 | — | $2,417.66 | $1,742.01 | $675.65 | $320,926.65 | $240,634.17 |
| 126 | — | $2,417.66 | $1,738.35 | $679.31 | $320,247.34 | $242,372.53 |
| 127 | — | $2,417.66 | $1,734.67 | $682.99 | $319,564.35 | $244,107.20 |
| 128 | — | $2,417.66 | $1,730.97 | $686.69 | $318,877.67 | $245,838.17 |
| 129 | — | $2,417.66 | $1,727.25 | $690.41 | $318,187.26 | $247,565.43 |
| 130 | — | $2,417.66 | $1,723.51 | $694.15 | $317,493.12 | $249,288.94 |
| 131 | — | $2,417.66 | $1,719.75 | $697.91 | $316,795.21 | $251,008.70 |
| 132 | — | $2,417.66 | $1,715.97 | $701.69 | $316,093.52 | $252,724.67 |
| 133 | — | $2,417.66 | $1,712.17 | $705.49 | $315,388.04 | $254,436.84 |
| 134 | — | $2,417.66 | $1,708.35 | $709.31 | $314,678.73 | $256,145.19 |
| 135 | — | $2,417.66 | $1,704.51 | $713.15 | $313,965.58 | $257,849.70 |
| 136 | — | $2,417.66 | $1,700.65 | $717.01 | $313,248.57 | $259,550.35 |
| 137 | — | $2,417.66 | $1,696.76 | $720.90 | $312,527.67 | $261,247.11 |
| 138 | — | $2,417.66 | $1,692.86 | $724.80 | $311,802.87 | $262,939.97 |
| 139 | — | $2,417.66 | $1,688.93 | $728.73 | $311,074.14 | $264,628.90 |
| 140 | — | $2,417.66 | $1,684.98 | $732.68 | $310,341.46 | $266,313.89 |
| 141 | — | $2,417.66 | $1,681.02 | $736.64 | $309,604.82 | $267,994.91 |
| 142 | — | $2,417.66 | $1,677.03 | $740.63 | $308,864.18 | $269,671.93 |
| 143 | — | $2,417.66 | $1,673.01 | $744.65 | $308,119.54 | $271,344.95 |
| 144 | — | $2,417.66 | $1,668.98 | $748.68 | $307,370.86 | $273,013.93 |
| 145 | — | $2,417.66 | $1,664.93 | $752.73 | $306,618.13 | $274,678.85 |
| 146 | — | $2,417.66 | $1,660.85 | $756.81 | $305,861.31 | $276,339.70 |
| 147 | — | $2,417.66 | $1,656.75 | $760.91 | $305,100.40 | $277,996.45 |
| 148 | — | $2,417.66 | $1,652.63 | $765.03 | $304,335.37 | $279,649.08 |
| 149 | — | $2,417.66 | $1,648.48 | $769.18 | $303,566.19 | $281,297.56 |
| 150 | — | $2,417.66 | $1,644.32 | $773.34 | $302,792.85 | $282,941.88 |
| 151 | — | $2,417.66 | $1,640.13 | $777.53 | $302,015.32 | $284,582.00 |
| 152 | — | $2,417.66 | $1,635.92 | $781.74 | $301,233.57 | $286,217.92 |
| 153 | — | $2,417.66 | $1,631.68 | $785.98 | $300,447.59 | $287,849.60 |
| 154 | — | $2,417.66 | $1,627.42 | $790.24 | $299,657.36 | $289,477.03 |
| 155 | — | $2,417.66 | $1,623.14 | $794.52 | $298,862.84 | $291,100.17 |
| 156 | — | $2,417.66 | $1,618.84 | $798.82 | $298,064.02 | $292,719.01 |
| 157 | — | $2,417.66 | $1,614.51 | $803.15 | $297,260.88 | $294,333.53 |
| 158 | — | $2,417.66 | $1,610.16 | $807.50 | $296,453.38 | $295,943.69 |
| 159 | — | $2,417.66 | $1,605.79 | $811.87 | $295,641.51 | $297,549.48 |
| 160 | — | $2,417.66 | $1,601.39 | $816.27 | $294,825.24 | $299,150.87 |
| 161 | — | $2,417.66 | $1,596.97 | $820.69 | $294,004.55 | $300,747.84 |
| 162 | — | $2,417.66 | $1,592.52 | $825.14 | $293,179.41 | $302,340.36 |
| 163 | — | $2,417.66 | $1,588.06 | $829.61 | $292,349.81 | $303,928.42 |
| 164 | — | $2,417.66 | $1,583.56 | $834.10 | $291,515.71 | $305,511.98 |
| 165 | — | $2,417.66 | $1,579.04 | $838.62 | $290,677.09 | $307,091.02 |
| 166 | — | $2,417.66 | $1,574.50 | $843.16 | $289,833.93 | $308,665.52 |
| 167 | — | $2,417.66 | $1,569.93 | $847.73 | $288,986.21 | $310,235.46 |
| 168 | — | $2,417.66 | $1,565.34 | $852.32 | $288,133.89 | $311,800.80 |
| 169 | — | $2,417.66 | $1,560.73 | $856.93 | $287,276.95 | $313,361.53 |
| 170 | — | $2,417.66 | $1,556.08 | $861.58 | $286,415.38 | $314,917.61 |
| 171 | — | $2,417.66 | $1,551.42 | $866.24 | $285,549.13 | $316,469.03 |
| 172 | — | $2,417.66 | $1,546.72 | $870.94 | $284,678.20 | $318,015.75 |
| 173 | — | $2,417.66 | $1,542.01 | $875.65 | $283,802.54 | $319,557.76 |
| 174 | — | $2,417.66 | $1,537.26 | $880.40 | $282,922.15 | $321,095.02 |
| 175 | — | $2,417.66 | $1,532.49 | $885.17 | $282,036.98 | $322,627.52 |
| 176 | — | $2,417.66 | $1,527.70 | $889.96 | $281,147.02 | $324,155.22 |
| 177 | — | $2,417.66 | $1,522.88 | $894.78 | $280,252.24 | $325,678.10 |
| 178 | — | $2,417.66 | $1,518.03 | $899.63 | $279,352.61 | $327,196.13 |
| 179 | — | $2,417.66 | $1,513.16 | $904.50 | $278,448.11 | $328,709.29 |
| 180 | — | $2,417.66 | $1,508.26 | $909.40 | $277,538.72 | $330,217.55 |
| 181 | — | $2,417.66 | $1,503.33 | $914.33 | $276,624.39 | $331,720.88 |
| 182 | — | $2,417.66 | $1,498.38 | $919.28 | $275,705.11 | $333,219.27 |
| 183 | — | $2,417.66 | $1,493.40 | $924.26 | $274,780.85 | $334,712.67 |
| 184 | — | $2,417.66 | $1,488.40 | $929.26 | $273,851.59 | $336,201.07 |
| 185 | — | $2,417.66 | $1,483.36 | $934.30 | $272,917.29 | $337,684.43 |
| 186 | — | $2,417.66 | $1,478.30 | $939.36 | $271,977.93 | $339,162.73 |
| 187 | — | $2,417.66 | $1,473.21 | $944.45 | $271,033.49 | $340,635.94 |
| 188 | — | $2,417.66 | $1,468.10 | $949.56 | $270,083.93 | $342,104.04 |
| 189 | — | $2,417.66 | $1,462.95 | $954.71 | $269,129.22 | $343,567.00 |
| 190 | — | $2,417.66 | $1,457.78 | $959.88 | $268,169.34 | $345,024.78 |
| 191 | — | $2,417.66 | $1,452.58 | $965.08 | $267,204.27 | $346,477.36 |
| 192 | — | $2,417.66 | $1,447.36 | $970.30 | $266,233.96 | $347,924.72 |
| 193 | — | $2,417.66 | $1,442.10 | $975.56 | $265,258.40 | $349,366.82 |
| 194 | — | $2,417.66 | $1,436.82 | $980.84 | $264,277.56 | $350,803.64 |
| 195 | — | $2,417.66 | $1,431.50 | $986.16 | $263,291.40 | $352,235.14 |
| 196 | — | $2,417.66 | $1,426.16 | $991.50 | $262,299.91 | $353,661.30 |
| 197 | — | $2,417.66 | $1,420.79 | $996.87 | $261,303.04 | $355,082.09 |
| 198 | — | $2,417.66 | $1,415.39 | $1,002.27 | $260,300.77 | $356,497.48 |
| 199 | — | $2,417.66 | $1,409.96 | $1,007.70 | $259,293.07 | $357,907.45 |
| 200 | — | $2,417.66 | $1,404.50 | $1,013.16 | $258,279.91 | $359,311.95 |
| 201 | — | $2,417.66 | $1,399.02 | $1,018.64 | $257,261.27 | $360,710.97 |
| 202 | — | $2,417.66 | $1,393.50 | $1,024.16 | $256,237.11 | $362,104.47 |
| 203 | — | $2,417.66 | $1,387.95 | $1,029.71 | $255,207.40 | $363,492.42 |
| 204 | — | $2,417.66 | $1,382.37 | $1,035.29 | $254,172.11 | $364,874.79 |
| 205 | — | $2,417.66 | $1,376.77 | $1,040.89 | $253,131.22 | $366,251.56 |
| 206 | — | $2,417.66 | $1,371.13 | $1,046.53 | $252,084.68 | $367,622.68 |
| 207 | — | $2,417.66 | $1,365.46 | $1,052.20 | $251,032.48 | $368,988.14 |
| 208 | — | $2,417.66 | $1,359.76 | $1,057.90 | $249,974.58 | $370,347.90 |
| 209 | — | $2,417.66 | $1,354.03 | $1,063.63 | $248,910.95 | $371,701.93 |
| 210 | — | $2,417.66 | $1,348.27 | $1,069.39 | $247,841.56 | $373,050.20 |
| 211 | — | $2,417.66 | $1,342.48 | $1,075.19 | $246,766.37 | $374,392.67 |
| 212 | — | $2,417.66 | $1,336.65 | $1,081.01 | $245,685.36 | $375,729.32 |
| 213 | — | $2,417.66 | $1,330.80 | $1,086.86 | $244,598.50 | $377,060.12 |
| 214 | — | $2,417.66 | $1,324.91 | $1,092.75 | $243,505.75 | $378,385.03 |
| 215 | — | $2,417.66 | $1,318.99 | $1,098.67 | $242,407.08 | $379,704.02 |
| 216 | — | $2,417.66 | $1,313.04 | $1,104.62 | $241,302.46 | $381,017.06 |
| 217 | — | $2,417.66 | $1,307.05 | $1,110.61 | $240,191.85 | $382,324.11 |
| 218 | — | $2,417.66 | $1,301.04 | $1,116.62 | $239,075.23 | $383,625.15 |
| 219 | — | $2,417.66 | $1,294.99 | $1,122.67 | $237,952.56 | $384,920.14 |
| 220 | — | $2,417.66 | $1,288.91 | $1,128.75 | $236,823.81 | $386,209.05 |
| 221 | — | $2,417.66 | $1,282.80 | $1,134.86 | $235,688.95 | $387,491.85 |
| 222 | — | $2,417.66 | $1,276.65 | $1,141.01 | $234,547.93 | $388,768.50 |
| 223 | — | $2,417.66 | $1,270.47 | $1,147.19 | $233,400.74 | $390,038.96 |
| 224 | — | $2,417.66 | $1,264.25 | $1,153.41 | $232,247.33 | $391,303.22 |
| 225 | — | $2,417.66 | $1,258.01 | $1,159.65 | $231,087.68 | $392,561.22 |
| 226 | — | $2,417.66 | $1,251.72 | $1,165.94 | $229,921.75 | $393,812.95 |
| 227 | — | $2,417.66 | $1,245.41 | $1,172.25 | $228,749.50 | $395,058.36 |
| 228 | — | $2,417.66 | $1,239.06 | $1,178.60 | $227,570.89 | $396,297.42 |
| 229 | — | $2,417.66 | $1,232.68 | $1,184.98 | $226,385.91 | $397,530.09 |
| 230 | — | $2,417.66 | $1,226.26 | $1,191.40 | $225,194.51 | $398,756.35 |
| 231 | — | $2,417.66 | $1,219.80 | $1,197.86 | $223,996.65 | $399,976.15 |
| 232 | — | $2,417.66 | $1,213.32 | $1,204.34 | $222,792.31 | $401,189.47 |
| 233 | — | $2,417.66 | $1,206.79 | $1,210.87 | $221,581.44 | $402,396.26 |
| 234 | — | $2,417.66 | $1,200.23 | $1,217.43 | $220,364.01 | $403,596.49 |
| 235 | — | $2,417.66 | $1,193.64 | $1,224.02 | $219,139.99 | $404,790.13 |
| 236 | — | $2,417.66 | $1,187.01 | $1,230.65 | $217,909.34 | $405,977.14 |
| 237 | — | $2,417.66 | $1,180.34 | $1,237.32 | $216,672.02 | $407,157.48 |
| 238 | — | $2,417.66 | $1,173.64 | $1,244.02 | $215,428.00 | $408,331.12 |
| 239 | — | $2,417.66 | $1,166.90 | $1,250.76 | $214,177.24 | $409,498.02 |
| 240 | — | $2,417.66 | $1,160.13 | $1,257.53 | $212,919.71 | $410,658.15 |
| 241 | — | $2,417.66 | $1,153.32 | $1,264.35 | $211,655.36 | $411,811.47 |
| 242 | — | $2,417.66 | $1,146.47 | $1,271.19 | $210,384.17 | $412,957.93 |
| 243 | — | $2,417.66 | $1,139.58 | $1,278.08 | $209,106.09 | $414,097.51 |
| 244 | — | $2,417.66 | $1,132.66 | $1,285.00 | $207,821.09 | $415,230.17 |
| 245 | — | $2,417.66 | $1,125.70 | $1,291.96 | $206,529.12 | $416,355.87 |
| 246 | — | $2,417.66 | $1,118.70 | $1,298.96 | $205,230.16 | $417,474.57 |
| 247 | — | $2,417.66 | $1,111.66 | $1,306.00 | $203,924.17 | $418,586.23 |
| 248 | — | $2,417.66 | $1,104.59 | $1,313.07 | $202,611.09 | $419,690.82 |
| 249 | — | $2,417.66 | $1,097.48 | $1,320.18 | $201,290.91 | $420,788.30 |
| 250 | — | $2,417.66 | $1,090.33 | $1,327.33 | $199,963.58 | $421,878.62 |
| 251 | — | $2,417.66 | $1,083.14 | $1,334.52 | $198,629.05 | $422,961.76 |
| 252 | — | $2,417.66 | $1,075.91 | $1,341.75 | $197,287.30 | $424,037.67 |
| 253 | — | $2,417.66 | $1,068.64 | $1,349.02 | $195,938.28 | $425,106.31 |
| 254 | — | $2,417.66 | $1,061.33 | $1,356.33 | $194,581.95 | $426,167.64 |
| 255 | — | $2,417.66 | $1,053.99 | $1,363.67 | $193,218.28 | $427,221.62 |
| 256 | — | $2,417.66 | $1,046.60 | $1,371.06 | $191,847.22 | $428,268.22 |
| 257 | — | $2,417.66 | $1,039.17 | $1,378.49 | $190,468.73 | $429,307.40 |
| 258 | — | $2,417.66 | $1,031.71 | $1,385.95 | $189,082.77 | $430,339.10 |
| 259 | — | $2,417.66 | $1,024.20 | $1,393.46 | $187,689.31 | $431,363.30 |
| 260 | — | $2,417.66 | $1,016.65 | $1,401.01 | $186,288.30 | $432,379.95 |
| 261 | — | $2,417.66 | $1,009.06 | $1,408.60 | $184,879.70 | $433,389.01 |
| 262 | — | $2,417.66 | $1,001.43 | $1,416.23 | $183,463.47 | $434,390.44 |
| 263 | — | $2,417.66 | $993.76 | $1,423.90 | $182,039.57 | $435,384.20 |
| 264 | — | $2,417.66 | $986.05 | $1,431.61 | $180,607.96 | $436,370.25 |
| 265 | — | $2,417.66 | $978.29 | $1,439.37 | $179,168.59 | $437,348.55 |
| 266 | — | $2,417.66 | $970.50 | $1,447.16 | $177,721.43 | $438,319.04 |
| 267 | — | $2,417.66 | $962.66 | $1,455.00 | $176,266.43 | $439,281.70 |
| 268 | — | $2,417.66 | $954.78 | $1,462.88 | $174,803.55 | $440,236.48 |
| 269 | — | $2,417.66 | $946.85 | $1,470.81 | $173,332.74 | $441,183.33 |
| 270 | — | $2,417.66 | $938.89 | $1,478.77 | $171,853.96 | $442,122.21 |
| 271 | — | $2,417.66 | $930.88 | $1,486.78 | $170,367.18 | $443,053.09 |
| 272 | — | $2,417.66 | $922.82 | $1,494.84 | $168,872.34 | $443,975.91 |
| 273 | — | $2,417.66 | $914.73 | $1,502.94 | $167,369.41 | $444,890.64 |
| 274 | — | $2,417.66 | $906.58 | $1,511.08 | $165,858.33 | $445,797.22 |
| 275 | — | $2,417.66 | $898.40 | $1,519.26 | $164,339.07 | $446,695.62 |
| 276 | — | $2,417.66 | $890.17 | $1,527.49 | $162,811.58 | $447,585.79 |
| 277 | — | $2,417.66 | $881.90 | $1,535.76 | $161,275.81 | $448,467.69 |
| 278 | — | $2,417.66 | $873.58 | $1,544.08 | $159,731.73 | $449,341.26 |
| 279 | — | $2,417.66 | $865.21 | $1,552.45 | $158,179.28 | $450,206.48 |
| 280 | — | $2,417.66 | $856.80 | $1,560.86 | $156,618.43 | $451,063.28 |
| 281 | — | $2,417.66 | $848.35 | $1,569.31 | $155,049.12 | $451,911.63 |
| 282 | — | $2,417.66 | $839.85 | $1,577.81 | $153,471.31 | $452,751.48 |
| 283 | — | $2,417.66 | $831.30 | $1,586.36 | $151,884.95 | $453,582.78 |
| 284 | — | $2,417.66 | $822.71 | $1,594.95 | $150,290.00 | $454,405.49 |
| 285 | — | $2,417.66 | $814.07 | $1,603.59 | $148,686.41 | $455,219.57 |
| 286 | — | $2,417.66 | $805.38 | $1,612.28 | $147,074.14 | $456,024.95 |
| 287 | — | $2,417.66 | $796.65 | $1,621.01 | $145,453.13 | $456,821.60 |
| 288 | — | $2,417.66 | $787.87 | $1,629.79 | $143,823.34 | $457,609.47 |
| 289 | — | $2,417.66 | $779.04 | $1,638.62 | $142,184.72 | $458,388.52 |
| 290 | — | $2,417.66 | $770.17 | $1,647.49 | $140,537.23 | $459,158.68 |
| 291 | — | $2,417.66 | $761.24 | $1,656.42 | $138,880.81 | $459,919.93 |
| 292 | — | $2,417.66 | $752.27 | $1,665.39 | $137,215.42 | $460,672.20 |
| 293 | — | $2,417.66 | $743.25 | $1,674.41 | $135,541.01 | $461,415.45 |
| 294 | — | $2,417.66 | $734.18 | $1,683.48 | $133,857.53 | $462,149.63 |
| 295 | — | $2,417.66 | $725.06 | $1,692.60 | $132,164.93 | $462,874.69 |
| 296 | — | $2,417.66 | $715.89 | $1,701.77 | $130,463.17 | $463,590.58 |
| 297 | — | $2,417.66 | $706.68 | $1,710.98 | $128,752.18 | $464,297.26 |
| 298 | — | $2,417.66 | $697.41 | $1,720.25 | $127,031.93 | $464,994.67 |
| 299 | — | $2,417.66 | $688.09 | $1,729.57 | $125,302.36 | $465,682.76 |
| 300 | — | $2,417.66 | $678.72 | $1,738.94 | $123,563.42 | $466,361.48 |
| 301 | — | $2,417.66 | $669.30 | $1,748.36 | $121,815.06 | $467,030.78 |
| 302 | — | $2,417.66 | $659.83 | $1,757.83 | $120,057.23 | $467,690.61 |
| 303 | — | $2,417.66 | $650.31 | $1,767.35 | $118,289.88 | $468,340.92 |
| 304 | — | $2,417.66 | $640.74 | $1,776.92 | $116,512.96 | $468,981.66 |
| 305 | — | $2,417.66 | $631.11 | $1,786.55 | $114,726.41 | $469,612.77 |
| 306 | — | $2,417.66 | $621.43 | $1,796.23 | $112,930.19 | $470,234.20 |
| 307 | — | $2,417.66 | $611.71 | $1,805.96 | $111,124.23 | $470,845.91 |
| 308 | — | $2,417.66 | $601.92 | $1,815.74 | $109,308.49 | $471,447.83 |
| 309 | — | $2,417.66 | $592.09 | $1,825.57 | $107,482.92 | $472,039.92 |
| 310 | — | $2,417.66 | $582.20 | $1,835.46 | $105,647.46 | $472,622.12 |
| 311 | — | $2,417.66 | $572.26 | $1,845.40 | $103,802.06 | $473,194.38 |
| 312 | — | $2,417.66 | $562.26 | $1,855.40 | $101,946.66 | $473,756.64 |
| 313 | — | $2,417.66 | $552.21 | $1,865.45 | $100,081.21 | $474,308.85 |
| 314 | — | $2,417.66 | $542.11 | $1,875.55 | $98,205.65 | $474,850.95 |
| 315 | — | $2,417.66 | $531.95 | $1,885.71 | $96,319.94 | $475,382.90 |
| 316 | — | $2,417.66 | $521.73 | $1,895.93 | $94,424.01 | $475,904.63 |
| 317 | — | $2,417.66 | $511.46 | $1,906.20 | $92,517.82 | $476,416.10 |
| 318 | — | $2,417.66 | $501.14 | $1,916.52 | $90,601.30 | $476,917.24 |
| 319 | — | $2,417.66 | $490.76 | $1,926.90 | $88,674.39 | $477,407.99 |
| 320 | — | $2,417.66 | $480.32 | $1,937.34 | $86,737.05 | $477,888.31 |
| 321 | — | $2,417.66 | $469.83 | $1,947.83 | $84,789.22 | $478,358.14 |
| 322 | — | $2,417.66 | $459.27 | $1,958.39 | $82,830.83 | $478,817.41 |
| 323 | — | $2,417.66 | $448.67 | $1,968.99 | $80,861.84 | $479,266.08 |
| 324 | — | $2,417.66 | $438.00 | $1,979.66 | $78,882.18 | $479,704.08 |
| 325 | — | $2,417.66 | $427.28 | $1,990.38 | $76,891.80 | $480,131.36 |
| 326 | — | $2,417.66 | $416.50 | $2,001.16 | $74,890.64 | $480,547.86 |
| 327 | — | $2,417.66 | $405.66 | $2,012.00 | $72,878.63 | $480,953.52 |
| 328 | — | $2,417.66 | $394.76 | $2,022.90 | $70,855.73 | $481,348.28 |
| 329 | — | $2,417.66 | $383.80 | $2,033.86 | $68,821.87 | $481,732.08 |
| 330 | — | $2,417.66 | $372.79 | $2,044.88 | $66,777.00 | $482,104.86 |
| 331 | — | $2,417.66 | $361.71 | $2,055.95 | $64,721.05 | $482,466.57 |
| 332 | — | $2,417.66 | $350.57 | $2,067.09 | $62,653.96 | $482,817.14 |
| 333 | — | $2,417.66 | $339.38 | $2,078.28 | $60,575.68 | $483,156.52 |
| 334 | — | $2,417.66 | $328.12 | $2,089.54 | $58,486.13 | $483,484.64 |
| 335 | — | $2,417.66 | $316.80 | $2,100.86 | $56,385.27 | $483,801.44 |
| 336 | — | $2,417.66 | $305.42 | $2,112.24 | $54,273.03 | $484,106.86 |
| 337 | — | $2,417.66 | $293.98 | $2,123.68 | $52,149.35 | $484,400.84 |
| 338 | — | $2,417.66 | $282.48 | $2,135.18 | $50,014.17 | $484,683.31 |
| 339 | — | $2,417.66 | $270.91 | $2,146.75 | $47,867.42 | $484,954.22 |
| 340 | — | $2,417.66 | $259.28 | $2,158.38 | $45,709.04 | $485,213.50 |
| 341 | — | $2,417.66 | $247.59 | $2,170.07 | $43,538.97 | $485,461.09 |
| 342 | — | $2,417.66 | $235.84 | $2,181.82 | $41,357.15 | $485,696.93 |
| 343 | — | $2,417.66 | $224.02 | $2,193.64 | $39,163.50 | $485,920.95 |
| 344 | — | $2,417.66 | $212.14 | $2,205.52 | $36,957.98 | $486,133.08 |
| 345 | — | $2,417.66 | $200.19 | $2,217.47 | $34,740.51 | $486,333.27 |
| 346 | — | $2,417.66 | $188.18 | $2,229.48 | $32,511.02 | $486,521.45 |
| 347 | — | $2,417.66 | $176.10 | $2,241.56 | $30,269.47 | $486,697.55 |
| 348 | — | $2,417.66 | $163.96 | $2,253.70 | $28,015.77 | $486,861.51 |
| 349 | — | $2,417.66 | $151.75 | $2,265.91 | $25,749.86 | $487,013.26 |
| 350 | — | $2,417.66 | $139.48 | $2,278.18 | $23,471.68 | $487,152.74 |
| 351 | — | $2,417.66 | $127.14 | $2,290.52 | $21,181.15 | $487,279.88 |
| 352 | — | $2,417.66 | $114.73 | $2,302.93 | $18,878.22 | $487,394.61 |
| 353 | — | $2,417.66 | $102.26 | $2,315.40 | $16,562.82 | $487,496.87 |
| 354 | — | $2,417.66 | $89.72 | $2,327.94 | $14,234.88 | $487,586.58 |
| 355 | — | $2,417.66 | $77.11 | $2,340.55 | $11,894.32 | $487,663.69 |
| 356 | — | $2,417.66 | $64.43 | $2,353.23 | $9,541.09 | $487,728.12 |
| 357 | — | $2,417.66 | $51.68 | $2,365.98 | $7,175.11 | $487,779.80 |
| 358 | — | $2,417.66 | $38.87 | $2,378.80 | $4,796.32 | $487,818.66 |
| 359 | — | $2,417.66 | $25.98 | $2,391.68 | $2,404.64 | $487,844.64 |
| 360 | — | $2,417.66 | $13.03 | $2,404.64 | $0.00 | $487,857.67 |
Showing the first 360 of 360 monthly rows to keep the page light — the CSV export contains all of them.
About this tool
This calculator amortises up to four mortgages month by month and compares their monthly payments, total interest, discount points break-even, cash to close and total cost over the term, with a hand-drawn cumulative-interest chart and a full amortisation table you can export as CSV or PNG. Everything is computed locally in your browser and nothing is uploaded. The numbers are estimates for comparison only: lender-specific fees and junk fees, closing costs, escrow changes, prepayment penalties and ARM caps or margins are not modelled.
- 100% free — no account needed
- Runs in your browser
- Nothing is uploaded
Frequently asked questions
Is Mortgage Comparison Tool really free?
Yes. Mortgage Comparison Tool is completely free on PureBrowser — every feature, with no account, no trial, and no credit card.
Does Mortgage Comparison Tool upload my data?
No. Mortgage Comparison Tool runs entirely inside your browser, so anything you type, paste, or open stays on your own device.
Do I need to sign up or install anything?
Neither. There is no account and nothing to download — open the page and Mortgage Comparison Tool is ready to use on desktop or mobile.
Does Mortgage Comparison Tool work offline?
Once the page has loaded, yes. All of the processing happens locally in your browser, so it keeps working without a connection.
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