Remaining principalHow quickly the loan balance falls
FINANCE · MORTGAGE
Mortgage calculator with tiered rates
Calculate one rate or several rate stages. When a rate changes, amortized payments are recalculated from the remaining balance and remaining term.
Local calculation · no loan data uploadedInterest-rate stages
Add as many stages as needed. All stage durations together must equal the full loan term.
First payment—
Highest monthly payment—
Total interest—
Total repayment—
VISUAL OVERVIEW
See how the mortgage changes over time
Rate-stage boundaries are marked on the trend charts, so payment jumps are easier to spot.
Monthly paymentShows jumps when a rate stage changes
Principal vs interestShare of total repayment
- Principal
- —
- Total interest
- —
| Stage | Months | Rate | First payment | Last payment | Stage interest | Ending balance |
|---|
Show monthly amortization schedule
The schedule uses exact internal values and rounds only for display, so a bank statement may differ slightly because of its own rounding or day-count rules.
| Month | Stage | Rate | Payment | Principal | Interest | Balance |
|---|
What is not included?
This version does not add bank handling fees, insurance, taxes, early-repayment penalties, grace-period interest-only rules, or future unknown floating-rate changes. For an adjustable-rate loan, enter the stages you want to model as scenarios.