Home Loan Simulator
Run what-if scenarios on your mortgage — extra payments, refinance, lump sums — and see the impact instantly.
Open Simulator →Why Simulate Your Home Loan?
A typical 30-year mortgage at 7% on $300,000 costs over $418,000 in interest — more than the loan itself. Even small changes to your payment strategy can save tens of thousands. The home loan simulator lets you test scenarios like paying an extra $200/month (saves ~$116K), making a $20K lump sum from a bonus (saves ~$45K), or refinancing to a lower rate.
Whether you have a conventional mortgage, FHA loan, VA loan, or jumbo loan, the amortization math works the same. Enter your current balance, rate, and remaining term to see exactly where your money goes each month — and how to redirect more of it toward principal.
Common Home Loan Scenarios
- Extra monthly payment — $100-500/month extra cuts 4-12 years off a 30-year mortgage
- Biweekly payments — equivalent to one extra payment per year, saves 4-5 years
- Refinance — dropping 1% on a $300K loan saves ~$60K over 30 years
- Lump sum from bonus/inheritance — applied early in the loan has maximum impact
- Mortgage recast — lower your payment without refinancing