AmortiqMortgage & Loan Calculator
About
Amortiq is the fastest way to understand what a mortgage truly costs.
WHAT MAKES AMORTIQ DIFFERENT
Type in your loan amount, interest rate, and term — your monthly payment, total interest, and true total cost appear instantly, no tapping required. No ads, no account, no network connection needed.
Includes:
- Instant monthly payment calculation
- True total cost and total interest at a glance
- Visual interest vs. principal breakdown
PRICING
Everything above is free. Amortiq Pro — one-time unlock, no subscription:
- Full amortization schedule — month-by-month or year-by-year
- Extra payment simulator — see how extra payments cut your term and save interest
- Side-by-side scenario comparison — compare two loans with different rates or terms
- Export results as text to share or save
FEEDBACK
Made by Peter Zhang. Every email to obeliskclubclub@gmail.com is read personally. Learn more: https://obelisk.club/mortgagecalculator
Terms of Use (EULA): https://obelisk.club/mortgagecalculator/terms
Core Capabilities
Instant live calculation — results as you type
Monthly payment, total interest, total cost
Full amortization schedule (Pro)
Extra payment simulator (Pro)
Side-by-side loan comparison (Pro)
100% offline — no account, no tracking
Frequently Asked Questions
- How is a monthly mortgage payment calculated?
- A fixed-rate payment comes from the standard amortization formula, which combines the loan amount, the monthly interest rate, and the number of payments so the balance reaches zero exactly at the end of the term. Amortiq does this math live — type your loan amount, rate, and term and the monthly payment, total interest, and true total cost appear instantly as you type.
- How much interest will I pay over the life of a 30-year mortgage?
- Over a long term, total interest is often a substantial fraction of — and at higher rates can exceed — the amount you borrowed, which is easy to miss when you only look at the monthly payment. Amortiq shows total interest and true total cost up front with a visual interest-vs-principal breakdown, and the Pro unlock adds a full amortization schedule month-by-month or year-by-year.
- Do extra mortgage payments really save money?
- Yes — extra payments go straight to principal, which shortens the loan and eliminates all the future interest that principal would have accrued, with early extra payments saving the most. Amortiq Pro includes an extra payment simulator that shows exactly how much term you cut and how much interest you save for a given extra amount.
- Does Amortiq need an internet connection or an account?
- No. Amortiq is 100% offline with no ads, no account, and no tracking, so the loan figures you enter stay on your device — unlike web mortgage calculators, many of which exist to capture leads for lenders. Everything calculates locally the moment you type.
- How do I compare two mortgage offers with different rates or terms?
- Comparing only monthly payments is misleading — a longer term can lower the payment while raising the total cost — so you need both figures side by side. Amortiq Pro's scenario comparison puts two loans with different rates or terms next to each other, and you can export the results as text to share or save. Pro is a one-time unlock.
Interface
High Fidelity UI
High Fidelity UI
High Fidelity UI
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How Amortiq compares
Honest, dimension-by-dimension comparisons — including where the other tool wins.