Prêt / hypothèque

Mortgage / loan calculator with a full amortization schedule and a side-by-side early-payoff comparison.

How to use

• Enter principal, annual rate, term (years) and start date.
• Optional: extra monthly payment, one-off lump sums.
• The summary shows monthly payment, total interest, payoff date.
• Toggle Schedule to see month-by-month interest / principal split and remaining balance.

Formula

Standard fixed-rate fully-amortizing payment: P · i / (1 − (1 + i)⁻ⁿ) where i = annual rate / 12, n = term in months.

Early payoff

Early payoff: raise Extra / month or add a one-off Lump-sum to shorten the loan and cut total interest. Open the amortization schedule to verify principal vs interest each month.