Wave 1 Tool

Mortgage Calculator

Advanced mortgage estimate with escrow and payoff acceleration for a $500,000.00 property over 30 years.

Updated: 20.02.2026 20:47:02

Tool Controls

Configure advanced parameters and run full calculations.

Quick scenarios

Open ready-made scenarios with one click.

Loan amount

$400,000.00

Monthly P&I

$2,528.27

Housing cost / mo

$3,378.27

Payoff term

30y 0m

Interest saved

$0.00

Down payment

$100,000.00

Snapshot

  • Property tax monthly (1.20%): $500.00
  • Insurance monthly: $100.00
  • HOA monthly: $250.00
  • Escrow + HOA monthly: $850.00
  • Principal + interest only: $2,528.27

Amortization Schedule (Accelerated)

MonthPaymentPrincipalInterestBalance
12.528,27
361,61
2.166,67399.638,39
22.528,27
363,56
2.164,71399.274,83
32.528,27
365,53
2.162,74398.909,30
42.528,27
367,51
2.160,76398.541,78
52.528,27
369,50
2.158,77398.172,28
62.528,27
371,51
2.156,77397.800,77
72.528,27
373,52
2.154,75397.427,26
82.528,27
375,54
2.152,73397.051,71
92.528,27
377,58
2.150,70396.674,14
102.528,27
379,62
2.148,65396.294,52
112.528,27
381,68
2.146,60395.912,84
122.528,27
383,74
2.144,53395.529,10
132.528,27
385,82
2.142,45395.143,28
142.528,27
387,91
2.140,36394.755,36
152.528,27
390,01
2.138,26394.365,35
162.528,27
392,13
2.136,15393.973,22
172.528,27
394,25
2.134,02393.578,97
182.528,27
396,39
2.131,89393.182,59
192.528,27
398,53
2.129,74392.784,05
202.528,27
400,69
2.127,58392.383,36
212.528,27
402,86
2.125,41391.980,50
222.528,27
405,04
2.123,23391.575,45
232.528,27
407,24
2.121,03391.168,22
242.528,27
409,44
2.118,83390.758,77
252.528,27
411,66
2.116,61390.347,11
262.528,27
413,89
2.114,38389.933,22
272.528,27
416,13
2.112,14389.517,08
282.528,27
418,39
2.109,88389.098,70
292.528,27
420,65
2.107,62388.678,04
302.528,27
422,93
2.105,34388.255,11
312.528,27
425,22
2.103,05387.829,89
322.528,27
427,53
2.100,75387.402,36
332.528,27
429,84
2.098,43386.972,52
342.528,27
432,17
2.096,10386.540,35
352.528,27
434,51
2.093,76386.105,83
362.528,27
436,87
2.091,41385.668,97
372.528,27
439,23
2.089,04385.229,74
382.528,27
441,61
2.086,66384.788,12
392.528,27
444,00
2.084,27384.344,12
402.528,27
446,41
2.081,86383.897,71
412.528,27
448,83
2.079,45383.448,89
422.528,27
451,26
2.077,01382.997,63
432.528,27
453,70
2.074,57382.543,93
442.528,27
456,16
2.072,11382.087,77
452.528,27
458,63
2.069,64381.629,14
462.528,27
461,11
2.067,16381.168,03
472.528,27
463,61
2.064,66380.704,41
482.528,27
466,12
2.062,15380.238,29
492.528,27
468,65
2.059,62379.769,64
502.528,27
471,19
2.057,09379.298,46
512.528,27
473,74
2.054,53378.824,72
522.528,27
476,30
2.051,97378.348,41
532.528,27
478,88
2.049,39377.869,53
542.528,27
481,48
2.046,79377.388,05
552.528,27
484,09
2.044,19376.903,96
562.528,27
486,71
2.041,56376.417,25
572.528,27
489,35
2.038,93375.927,91
582.528,27
492,00
2.036,28375.435,91
592.528,27
494,66
2.033,61374.941,25
602.528,27
497,34
2.030,93374.443,91
612.528,27
500,03
2.028,24373.943,88
622.528,27
502,74
2.025,53373.441,13
632.528,27
505,47
2.022,81372.935,67
642.528,27
508,20
2.020,07372.427,46
652.528,27
510,96
2.017,32371.916,51
662.528,27
513,72
2.014,55371.402,78
672.528,27
516,51
2.011,77370.886,27
682.528,27
519,30
2.008,97370.366,97
692.528,27
522,12
2.006,15369.844,85
702.528,27
524,95
2.003,33369.319,91
712.528,27
527,79
2.000,48368.792,12
722.528,27
530,65
1.997,62368.261,47
732.528,27
533,52
1.994,75367.727,95
742.528,27
536,41
1.991,86367.191,53
752.528,27
539,32
1.988,95366.652,22
762.528,27
542,24
1.986,03366.109,98
772.528,27
545,18
1.983,10365.564,80
782.528,27
548,13
1.980,14365.016,67
792.528,27
551,10
1.977,17364.465,57
802.528,27
554,08
1.974,19363.911,49
812.528,27
557,08
1.971,19363.354,40
822.528,27
560,10
1.968,17362.794,30
832.528,27
563,14
1.965,14362.231,17
842.528,27
566,19
1.962,09361.664,98
852.528,27
569,25
1.959,02361.095,73
862.528,27
572,34
1.955,94360.523,39
872.528,27
575,44
1.952,84359.947,95
882.528,27
578,55
1.949,72359.369,40
892.528,27
581,69
1.946,58358.787,71
902.528,27
584,84
1.943,43358.202,87
912.528,27
588,01
1.940,27357.614,86
922.528,27
591,19
1.937,08357.023,67
932.528,27
594,39
1.933,88356.429,28
942.528,27
597,61
1.930,66355.831,67
952.528,27
600,85
1.927,42355.230,82
962.528,27
604,11
1.924,17354.626,71
972.528,27
607,38
1.920,89354.019,33
982.528,27
610,67
1.917,60353.408,67
992.528,27
613,98
1.914,30352.794,69
1002.528,27
617,30
1.910,97352.177,39
1012.528,27
620,64
1.907,63351.556,74
1022.528,27
624,01
1.904,27350.932,74
1032.528,27
627,39
1.900,89350.305,35
1042.528,27
630,78
1.897,49349.674,57
1052.528,27
634,20
1.894,07349.040,37
1062.528,27
637,64
1.890,64348.402,73
1072.528,27
641,09
1.887,18347.761,64
1082.528,27
644,56
1.883,71347.117,07
1092.528,27
648,05
1.880,22346.469,02
1102.528,27
651,56
1.876,71345.817,46
1112.528,27
655,09
1.873,18345.162,36
1122.528,27
658,64
1.869,63344.503,72
1132.528,27
662,21
1.866,06343.841,51
1142.528,27
665,80
1.862,47343.175,71
1152.528,27
669,40
1.858,87342.506,31
1162.528,27
673,03
1.855,24341.833,28
1172.528,27
676,68
1.851,60341.156,60
1182.528,27
680,34
1.847,93340.476,26
1192.528,27
684,03
1.844,25339.792,24
1202.528,27
687,73
1.840,54339.104,51
1212.528,27
691,46
1.836,82338.413,05
1222.528,27
695,20
1.833,07337.717,85
1232.528,27
698,97
1.829,31337.018,88
1242.528,27
702,75
1.825,52336.316,13
1252.528,27
706,56
1.821,71335.609,57
1262.528,27
710,39
1.817,89334.899,18
1272.528,27
714,23
1.814,04334.184,95
1282.528,27
718,10
1.810,17333.466,84
1292.528,27
721,99
1.806,28332.744,85
1302.528,27
725,90
1.802,37332.018,95
1312.528,27
729,84
1.798,44331.289,11
1322.528,27
733,79
1.794,48330.555,32
1332.528,27
737,76
1.790,51329.817,56
1342.528,27
741,76
1.786,51329.075,80
1352.528,27
745,78
1.782,49328.330,02
1362.528,27
749,82
1.778,45327.580,20
1372.528,27
753,88
1.774,39326.826,32
1382.528,27
757,96
1.770,31326.068,36
1392.528,27
762,07
1.766,20325.306,29
1402.528,27
766,20
1.762,08324.540,09
1412.528,27
770,35
1.757,93323.769,75
1422.528,27
774,52
1.753,75322.995,23
1432.528,27
778,71
1.749,56322.216,51
1442.528,27
782,93
1.745,34321.433,58
1452.528,27
787,17
1.741,10320.646,41
1462.528,27
791,44
1.736,83319.854,97
1472.528,27
795,72
1.732,55319.059,24
1482.528,27
800,03
1.728,24318.259,21
1492.528,27
804,37
1.723,90317.454,84
1502.528,27
808,73
1.719,55316.646,12
1512.528,27
813,11
1.715,17315.833,01
1522.528,27
817,51
1.710,76315.015,50
1532.528,27
821,94
1.706,33314.193,56
1542.528,27
826,39
1.701,88313.367,17
1552.528,27
830,87
1.697,41312.536,31
1562.528,27
835,37
1.692,90311.700,94
1572.528,27
839,89
1.688,38310.861,05
1582.528,27
844,44
1.683,83310.016,60
1592.528,27
849,02
1.679,26309.167,59
1602.528,27
853,61
1.674,66308.313,97
1612.528,27
858,24
1.670,03307.455,74
1622.528,27
862,89
1.665,39306.592,85
1632.528,27
867,56
1.660,71305.725,29
1642.528,27
872,26
1.656,01304.853,03
1652.528,27
876,98
1.651,29303.976,04
1662.528,27
881,74
1.646,54303.094,31
1672.528,27
886,51
1.641,76302.207,80
1682.528,27
891,31
1.636,96301.316,48
1692.528,27
896,14
1.632,13300.420,34
1702.528,27
901,00
1.627,28299.519,35
1712.528,27
905,88
1.622,40298.613,47
1722.528,27
910,78
1.617,49297.702,69
1732.528,27
915,72
1.612,56296.786,97
1742.528,27
920,68
1.607,60295.866,30
1752.528,27
925,66
1.602,61294.940,64
1762.528,27
930,68
1.597,60294.009,96
1772.528,27
935,72
1.592,55293.074,24
1782.528,27
940,79
1.587,49292.133,45
1792.528,27
945,88
1.582,39291.187,57
1802.528,27
951,01
1.577,27290.236,56
1812.528,27
956,16
1.572,11289.280,41
1822.528,27
961,34
1.566,94288.319,07
1832.528,27
966,54
1.561,73287.352,53
1842.528,27
971,78
1.556,49286.380,75
1852.528,27
977,04
1.551,23285.403,70
1862.528,27
982,34
1.545,94284.421,37
1872.528,27
987,66
1.540,62283.433,71
1882.528,27
993,01
1.535,27282.440,71
1892.528,27
998,38
1.529,89281.442,32
1902.528,27
1.003,79
1.524,48280.438,53
1912.528,27
1.009,23
1.519,04279.429,30
1922.528,27
1.014,70
1.513,58278.414,60
1932.528,27
1.020,19
1.508,08277.394,41
1942.528,27
1.025,72
1.502,55276.368,69
1952.528,27
1.031,28
1.497,00275.337,42
1962.528,27
1.036,86
1.491,41274.300,55
1972.528,27
1.042,48
1.485,79273.258,08
1982.528,27
1.048,12
1.480,15272.209,95
1992.528,27
1.053,80
1.474,47271.156,15
2002.528,27
1.059,51
1.468,76270.096,64
2012.528,27
1.065,25
1.463,02269.031,39
2022.528,27
1.071,02
1.457,25267.960,37
2032.528,27
1.076,82
1.451,45266.883,55
2042.528,27
1.082,65
1.445,62265.800,90
2052.528,27
1.088,52
1.439,75264.712,38
2062.528,27
1.094,41
1.433,86263.617,97
2072.528,27
1.100,34
1.427,93262.517,63
2082.528,27
1.106,30
1.421,97261.411,33
2092.528,27
1.112,29
1.415,98260.299,03
2102.528,27
1.118,32
1.409,95259.180,71
2112.528,27
1.124,38
1.403,90258.056,34
2122.528,27
1.130,47
1.397,81256.925,87
2132.528,27
1.136,59
1.391,68255.789,28
2142.528,27
1.142,75
1.385,53254.646,53
2152.528,27
1.148,94
1.379,34253.497,60
2162.528,27
1.155,16
1.373,11252.342,44
2172.528,27
1.161,42
1.366,85251.181,02
2182.528,27
1.167,71
1.360,56250.013,31
2192.528,27
1.174,03
1.354,24248.839,28
2202.528,27
1.180,39
1.347,88247.658,89
2212.528,27
1.186,79
1.341,49246.472,10
2222.528,27
1.193,21
1.335,06245.278,88
2232.528,27
1.199,68
1.328,59244.079,21
2242.528,27
1.206,18
1.322,10242.873,03
2252.528,27
1.212,71
1.315,56241.660,32
2262.528,27
1.219,28
1.308,99240.441,04
2272.528,27
1.225,88
1.302,39239.215,16
2282.528,27
1.232,52
1.295,75237.982,64
2292.528,27
1.239,20
1.289,07236.743,44
2302.528,27
1.245,91
1.282,36235.497,52
2312.528,27
1.252,66
1.275,61234.244,86
2322.528,27
1.259,45
1.268,83232.985,42
2332.528,27
1.266,27
1.262,00231.719,15
2342.528,27
1.273,13
1.255,15230.446,02
2352.528,27
1.280,02
1.248,25229.166,00
2362.528,27
1.286,96
1.241,32227.879,04
2372.528,27
1.293,93
1.234,34226.585,12
2382.528,27
1.300,94
1.227,34225.284,18
2392.528,27
1.307,98
1.220,29223.976,20
2402.528,27
1.315,07
1.213,20222.661,13
2412.528,27
1.322,19
1.206,08221.338,94
2422.528,27
1.329,35
1.198,92220.009,59
2432.528,27
1.336,55
1.191,72218.673,03
2442.528,27
1.343,79
1.184,48217.329,24
2452.528,27
1.351,07
1.177,20215.978,17
2462.528,27
1.358,39
1.169,88214.619,78
2472.528,27
1.365,75
1.162,52213.254,03
2482.528,27
1.373,15
1.155,13211.880,88
2492.528,27
1.380,58
1.147,69210.500,30
2502.528,27
1.388,06
1.140,21209.112,24
2512.528,27
1.395,58
1.132,69207.716,66
2522.528,27
1.403,14
1.125,13206.313,52
2532.528,27
1.410,74
1.117,53204.902,78
2542.528,27
1.418,38
1.109,89203.484,39
2552.528,27
1.426,06
1.102,21202.058,33
2562.528,27
1.433,79
1.094,48200.624,54
2572.528,27
1.441,56
1.086,72199.182,98
2582.528,27
1.449,36
1.078,91197.733,62
2592.528,27
1.457,21
1.071,06196.276,40
2602.528,27
1.465,11
1.063,16194.811,30
2612.528,27
1.473,04
1.055,23193.338,25
2622.528,27
1.481,02
1.047,25191.857,23
2632.528,27
1.489,05
1.039,23190.368,18
2642.528,27
1.497,11
1.031,16188.871,07
2652.528,27
1.505,22
1.023,05187.365,85
2662.528,27
1.513,37
1.014,90185.852,48
2672.528,27
1.521,57
1.006,70184.330,91
2682.528,27
1.529,81
998,46182.801,09
2692.528,27
1.538,10
990,17181.262,99
2702.528,27
1.546,43
981,84179.716,56
2712.528,27
1.554,81
973,46178.161,76
2722.528,27
1.563,23
965,04176.598,53
2732.528,27
1.571,70
956,58175.026,83
2742.528,27
1.580,21
948,06173.446,62
2752.528,27
1.588,77
939,50171.857,85
2762.528,27
1.597,38
930,90170.260,47
2772.528,27
1.606,03
922,24168.654,45
2782.528,27
1.614,73
913,54167.039,72
2792.528,27
1.623,47
904,80165.416,25
2802.528,27
1.632,27
896,00163.783,98
2812.528,27
1.641,11
887,16162.142,87
2822.528,27
1.650,00
878,27160.492,87
2832.528,27
1.658,94
869,34158.833,94
2842.528,27
1.667,92
860,35157.166,01
2852.528,27
1.676,96
851,32155.489,06
2862.528,27
1.686,04
842,23153.803,02
2872.528,27
1.695,17
833,10152.107,85
2882.528,27
1.704,35
823,92150.403,49
2892.528,27
1.713,59
814,69148.689,90
2902.528,27
1.722,87
805,40146.967,04
2912.528,27
1.732,20
796,07145.234,84
2922.528,27
1.741,58
786,69143.493,25
2932.528,27
1.751,02
777,26141.742,23
2942.528,27
1.760,50
767,77139.981,73
2952.528,27
1.770,04
758,23138.211,70
2962.528,27
1.779,63
748,65136.432,07
2972.528,27
1.789,27
739,01134.642,80
2982.528,27
1.798,96
729,32132.843,85
2992.528,27
1.808,70
719,57131.035,15
3002.528,27
1.818,50
709,77129.216,65
3012.528,27
1.828,35
699,92127.388,30
3022.528,27
1.838,25
690,02125.550,05
3032.528,27
1.848,21
680,06123.701,84
3042.528,27
1.858,22
670,05121.843,62
3052.528,27
1.868,29
659,99119.975,33
3062.528,27
1.878,41
649,87118.096,93
3072.528,27
1.888,58
639,69116.208,35
3082.528,27
1.898,81
629,46114.309,54
3092.528,27
1.909,10
619,18112.400,44
3102.528,27
1.919,44
608,84110.481,00
3112.528,27
1.929,83
598,44108.551,17
3122.528,27
1.940,29
587,99106.610,88
3132.528,27
1.950,80
577,48104.660,09
3142.528,27
1.961,36
566,91102.698,72
3152.528,27
1.971,99
556,28100.726,74
3162.528,27
1.982,67
545,6098.744,07
3172.528,27
1.993,41
534,8696.750,66
3182.528,27
2.004,21
524,0794.746,45
3192.528,27
2.015,06
513,2192.731,39
3202.528,27
2.025,98
502,3090.705,41
3212.528,27
2.036,95
491,3288.668,46
3222.528,27
2.047,98
480,2986.620,48
3232.528,27
2.059,08
469,1984.561,40
3242.528,27
2.070,23
458,0482.491,17
3252.528,27
2.081,44
446,8380.409,72
3262.528,27
2.092,72
435,5578.317,01
3272.528,27
2.104,05
424,2276.212,95
3282.528,27
2.115,45
412,8274.097,50
3292.528,27
2.126,91
401,3671.970,59
3302.528,27
2.138,43
389,8469.832,16
3312.528,27
2.150,01
378,2667.682,14
3322.528,27
2.161,66
366,6165.520,48
3332.528,27
2.173,37
354,9063.347,11
3342.528,27
2.185,14
343,1361.161,97
3352.528,27
2.196,98
331,2958.964,99
3362.528,27
2.208,88
319,3956.756,11
3372.528,27
2.220,84
307,4354.535,27
3382.528,27
2.232,87
295,4052.302,40
3392.528,27
2.244,97
283,3050.057,43
3402.528,27
2.257,13
271,1447.800,30
3412.528,27
2.269,35
258,9245.530,95
3422.528,27
2.281,65
246,6343.249,30
3432.528,27
2.294,01
234,2740.955,30
3442.528,27
2.306,43
221,8438.648,87
3452.528,27
2.318,92
209,3536.329,94
3462.528,27
2.331,48
196,7933.998,46
3472.528,27
2.344,11
184,1631.654,34
3482.528,27
2.356,81
171,4629.297,53
3492.528,27
2.369,58
158,6926.927,96
3502.528,27
2.382,41
145,8624.545,54
3512.528,27
2.395,32
132,9622.150,23
3522.528,27
2.408,29
119,9819.741,93
3532.528,27
2.421,34
106,9417.320,60
3542.528,27
2.434,45
93,8214.886,15
3552.528,27
2.447,64
80,6312.438,51
3562.528,27
2.460,90
67,389.977,61
3572.528,27
2.474,23
54,057.503,38
3582.528,27
2.487,63
40,645.015,75
3592.528,27
2.501,10
27,172.514,65
3602.528,27
2.514,65
13,620,00

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