Model any real estate loan. Compare scenarios, see total interest paid, and discover how extra principal payments accelerate your payoff.
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Instant Loan Amortization
Enter loan amount, interest rate, and term to instantly calculate your monthly P&I payment and full amortization schedule.
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Extra Payment Analysis
See how making extra principal payments each month reduces your total interest and shortens your payoff timeline.
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Balance Over Time Chart
Visualize loan balance reduction over time — with and without extra payments — on a clear, easy-to-read chart.
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Interest Only Support
Model interest-only loan periods — common for investment property bridge loans and short-term financing.
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Unlimited Free Use
The Loan Calculator has no usage limits — run as many scenarios as you need to find the right financing structure.
What does the Loan Calculator show?
Example: $250,000 loan · 7% rate · 30-year term · $200/mo extra payment
Monthly Payment
$1,663
Total Interest
$348,772
Payoff Date
Jun 2049
Payoff (w/ extra)
Jan 2044
Extra Toward Principal
$200/mo
Interest Saved
$52,140
Time Saved
5 yrs 5 mo
Cost Breakdown
Principal$250,000
Interest$348,772
Balance Over Time
Yr 5
$232,000
Yr 10
$207,000
Yr 15
$171,000
Yr 20
$117,000
Yr 25 (w/ extra)
$0
Monthly Payment
Principal + interest per month
Total Interest Paid
Lifetime interest cost of the loan
Payoff Date
When the loan is fully paid off
Interest Saved
Reduction from extra payments
Time Saved
Months/years eliminated by extra payments
Balance Chart
Visual of loan paydown over time
Extra Payment Scenarios
See exactly how much extra payments save you
Toggle Compare Mode to see two lines side by side — your base loan and the accelerated payoff scenario. The calculator shows exactly how much interest you save and how many years you cut off.
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Blue line = with extra principal payment
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Orange dashed = standard amortization
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Instant update as you adjust extra payment amount
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Works for interest-only or amortized loan types
Balance Over Time · $250K @ 7% · 30yr
Extra/mo
$200
Interest Saved
$52,140
Time Saved
5 yrs 5 mo
Payoff & Cost Summary
Monthly Payment
$1,663
Total Interest
$348,772
Payoff Date (base)
Jun 2049
Payoff Date (w/ extra)
Jan 2044
Total Paid (base)
$598,772
Total Paid (w/ extra)
$546,632
COST BREAKDOWN
Principal$250,000
Interest$348,772
Payoff Timing
Know exactly when your investment property is free and clear
Payoff date changes dynamically as you adjust extra payments. For interest-only loans, Navikoo shows "No Payoff Date" since principal is never reduced — and makes that distinction crystal clear.
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Supports amortized and interest-only loan types
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Payoff date and savings update instantly
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Loan amounts supported up to $200M
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Built for investors - bridge loans, BRRRR refi, rentals
Built for Investors
One tool for any investment financing scenario
Rental Mortgage
30-yr amortized. Calculate monthly P&I and see how it affects cash flow.
Bridge Loan
Interest-only, short-term. Model carry cost during rehab or stabilization.
BRRRR Refinance
After rehab, model your cash-out refi to see what rate and LTV makes sense.
Frequently Asked Questions
How do I calculate monthly mortgage payments on a rental property?
Monthly payment (P&I) = loan amount × [monthly rate × (1+monthly rate)^n] / [(1+monthly rate)^n − 1], where n is the total number of payments. Navikoo calculates this instantly as you type.
How much interest will I pay on a 30-year mortgage?
On a $250,000 loan at 7%, you'd pay approximately $348,000 in interest over 30 years — more than the loan itself. Navikoo shows exactly how much you'll pay and how extra payments reduce that total.
Do extra principal payments really make a difference?
Yes — significantly. Adding just $200/month to a $250,000 loan at 7% can save over $50,000 in interest and cut 5+ years off the loan. Navikoo models this instantly.
Does this support interest-only loans?
Yes. Navikoo supports both fully amortized and interest-only loan types. For interest-only, the calculator shows your monthly cost and notes that no payoff date applies while you're in the interest-only period.