Home Loan Mortgage Decision Intelligence

set up your loan to begin
Showing example numbers. Enter your own loan in step 1 and press Save — your data is stored only in this browser, never on a server.

Loan details

Not sure of the exact loan term? Leave it out — just enter the rate and minimum payment for each year you know (handy if you refinance every few years like a typical Thai condo mortgage).

Home loan
YearRate (annual %)Min. payment

After your last row, we keep using that row's rate and minimum payment for as long as the loan runs — so a 3-row schedule works fine even if you plan to refinance before it changes again.

Insurance account (optional)

Tracked as its own interest-bearing account, charged the same rate as your home loan above — just with a flat minimum payment instead of the year-by-year schedule. Pay more than the minimum any time by logging a larger insurance amount in the payment log below.

Payment log

Record every actual payment you make. Both balances below update from this log.

DateNoteMortgageInsurance
No payments logged yet

Home loan

Payoff summary & planner

Projected forward from today's balance, using your contracted rate for each year you've entered — then held flat at your last entered year's rate for every year after that, as a conservative stand-in for your next refinance.

Set up your loan to see your payoff projection.
At minimum payments
–
Payoff date
–
Interest remaining
–
Total left to pay
Try paying more
Minimum payments only With extra payments

Insurance account

No insurance account set up — add one in Loan setup above if your home loan has a separate insurance balance.

Backup & restore

Your data lives only in this browser. Download a backup to move it to another device or keep it safe, and restore it any time.