AmortiCalc

AmortiCalc is a 100% FREE, NO ADS, clean, easy-to-use amortization and loan planning calculator that helps you understand payments, affordability, and loan structure—without ads, subscriptions, or required accounts.

Whether you’re planning a mortgage, auto loan, RV, or personal loan, AmortiCalc provides clear estimates to help you make informed financial decisions.

Monthly Payment Calculator

Calculate estimated monthly payments using: • Purchase price • Down payment • Interest rate • Loan term • Property taxes • Insurance

Supports common amortized loan types including home, auto, RV/motorcycle, solar, and personal loans.

Reverse Affordability Planning

Start with your budget and work backward.

Enter a desired monthly payment and AmortiCalc will estimate: • Maximum affordable purchase price • Down payment scenarios • Loan options aligned with your target payment

This feature is ideal for budget-first planning before shopping or applying.

Pre-Approval & Underwriting Insights

AmortiCalc includes an educational underwriting analysis based on financial factors commonly reviewed by lenders, including: • Income and other stable monthly income • Existing monthly debt obligations • Credit score range • HOA fees • Liquid assets • Recent late payments • Estimated closing costs

These inputs are combined into an approval-odds score to help you understand whether a loan scenario appears strong or may need improvement.

Amortization Schedules & Charts

Visualize how your loan changes over time: • Dynamically generated amortization schedules • Principal and interest breakdown per payment • Interactive interest vs. principal charts • Export amortization schedules for reference or sharing

Save & Compare Scenarios • Save and rename loan scenarios • Compare different rates, terms, and down payments • Explore multiple “what-if” situations with ease

Designed for Simplicity • Completely free to use • No advertisements • No account or sign-in required • Fast calculations with offline support

Underwriting Disclaimer

AmortiCalc provides estimates and educational insights only. Pre-approval and underwriting scores are not loan approvals or guarantees. Loan decisions, rates, and terms are determined by lenders based on their own criteria and a full financial review.

AmortiCalc does not access credit reports, perform credit checks, or submit loan applications.

Plan with clarity and confidence using AmortiCalc—simple loan insights made approachable, with guidance from Amorti the Corgi.