Mortgage & Loan Amortization Calculator
Calculate home loan monthly payments, compare bank repayment methods (Equal Principal vs Installment), and view full amortization schedules.
1. Loan & Property Parameters
First Month Payment
23,625,000 ₫
Last month: 8,811,979 ₫
Total Interest
1,792,437,500 ₫
Total Principal + Interest
3,892,437,500 ₫
Amortization Schedule
| Year | Principal | Interest | Total Paid | End Balance |
|---|---|---|---|---|
| Year 1 | 105,000,000 ₫ | 174,409,375 ₫ | 279,409,375 ₫ | 1,995,000,000 ₫ |
| Year 2 | 105,000,000 ₫ | 165,484,375 ₫ | 270,484,375 ₫ | 1,890,000,000 ₫ |
| Year 3 | 105,000,000 ₫ | 156,559,375 ₫ | 261,559,375 ₫ | 1,785,000,000 ₫ |
| Year 4 | 105,000,000 ₫ | 147,634,375 ₫ | 252,634,375 ₫ | 1,680,000,000 ₫ |
| Year 5 | 105,000,000 ₫ | 138,709,375 ₫ | 243,709,375 ₫ | 1,575,000,000 ₫ |
| Year 6 | 105,000,000 ₫ | 129,784,375 ₫ | 234,784,375 ₫ | 1,470,000,000 ₫ |
| Year 7 | 105,000,000 ₫ | 120,859,375 ₫ | 225,859,375 ₫ | 1,365,000,000 ₫ |
| Year 8 | 105,000,000 ₫ | 111,934,375 ₫ | 216,934,375 ₫ | 1,260,000,000 ₫ |
| Year 9 | 105,000,000 ₫ | 103,009,375 ₫ | 208,009,375 ₫ | 1,155,000,000 ₫ |
| Year 10 | 105,000,000 ₫ | 94,084,375 ₫ | 199,084,375 ₫ | 1,050,000,000 ₫ |
| Year 11 | 105,000,000 ₫ | 85,159,375 ₫ | 190,159,375 ₫ | 945,000,000 ₫ |
| Year 12 | 105,000,000 ₫ | 76,234,375 ₫ | 181,234,375 ₫ | 840,000,000 ₫ |
| Year 13 | 105,000,000 ₫ | 67,309,375 ₫ | 172,309,375 ₫ | 735,000,000 ₫ |
| Year 14 | 105,000,000 ₫ | 58,384,375 ₫ | 163,384,375 ₫ | 630,000,000 ₫ |
| Year 15 | 105,000,000 ₫ | 49,459,375 ₫ | 154,459,375 ₫ | 525,000,000 ₫ |
| Year 16 | 105,000,000 ₫ | 40,534,375 ₫ | 145,534,375 ₫ | 420,000,000 ₫ |
| Year 17 | 105,000,000 ₫ | 31,609,375 ₫ | 136,609,375 ₫ | 315,000,000 ₫ |
| Year 18 | 105,000,000 ₫ | 22,684,375 ₫ | 127,684,375 ₫ | 210,000,000 ₫ |
| Year 19 | 105,000,000 ₫ | 13,759,375 ₫ | 118,759,375 ₫ | 105,000,000 ₫ |
| Year 20 | 105,000,000 ₫ | 4,834,375 ₫ | 109,834,375 ₫ | 0 ₫ |
How do I use Mortgage & Loan Amortization Calculator?
Enter Property Value (Home Price) and Down Payment percentage.
Select bank repayment method (Equal Principal vs Equal Installment vs Flat Rate).
Set interest rate percentage and loan term duration (10, 15, 20, 30 years).
Toggle between Annual Summary and Monthly Amortization detail views.
Optionally enter extra monthly principal payments to calculate early payoff interest savings.
What features does Mortgage & Loan Amortization Calculator offer?
Supports 3 standard bank repayment methods: Equal Principal, Equal Installment (EMI), Flat Rate
Standardized currency formatting: 2 decimals for USD/EUR/GBP, 0 decimals for VND/JPY
Home Price & Down Payment slider for real-world mortgage planning
Visual ratio progress bar (% Principal vs % Interest)
Dual Amortization schedule: Annual Summary + 360-month detail view
Early Payoff Calculator with interest savings and time reduction metrics
100% Client-side local calculation — zero data transmission
Frequently Asked Questions about Mortgage & Loan Amortization Calculator
What is the difference between Equal Principal and Equal Installment?
Under 'Equal Principal' (Declining Balance), your principal payment is fixed every month while interest decreases over time, so total monthly payments drop. Under 'Equal Installment' (EMI), your total monthly payment stays constant throughout the loan term.
How does the Early Payoff calculator work?
When you pay extra principal each month, the loan balance reduces faster. This lowers interest charges in subsequent months and lets you pay off the loan years earlier. The tool calculates exact interest saved and months reduced.
Which repayment method should I choose?
Equal Installment (EMI) gives predictable fixed monthly payments — easier to budget. Equal Principal gives lower total interest paid but higher payments in early years. Flat Rate is simpler to calculate but typically results in a higher effective interest rate than advertised.
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