This free software program can be used to calculate simple fixed mortgage to complex loans and mortgages with varying compound rates and odd payment cycles. It’s easy to use and defaults to a simple mortgage set up. You can track and analyze any number of mortgages and loans. Once you enter in the data on your loan such as the loan amount, interest rate, term length, start date, etc., then you can start to take a look at the details of the loan. You can view and print a full amortization table showing you how much interest you are paying each month and how much principal or equity you are accumulating over time. You can also go into the edit payments section and make changes to any payment over the life of your loan. This way you can test the impact of paying a large lump sum, making early payments, or paying a little bit extra each month. The software will quickly recalculate the loan and give a amortization table and payoff date so you can see the results. This can help you determine how soon you could possibly pay off your loan or mortgage by just paying a little more each payment or by putting down a larger sum at a given time. Get a good understanding of where you are with your loan and how changes will impact you long term. Please note that this software just gives an estimate. Exact details will need to be provided by your lender.
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