Mortgage scenario planning

Project loan payments, interest, and payoff paths.

Loan Projection Tool helps estimate adjustable-rate and fixed-rate mortgage outcomes using user-entered assumptions for balance, rate, taxes, scheduled principal and interest, and extra principal payments.

Open ARM Calculator Open Fixed Calculator

Budgeting estimate only. This tool is not legal, tax, or financial advice. Outputs are rough projections based on user-entered assumptions and should not be treated as a lender payoff quote or guaranteed result.

ARM Projection Tool

Model adjustable-rate mortgage scenarios across best, neutral, and worst case rate paths. Useful for estimating reset-date payment changes, cumulative interest, and cash-flow exposure.

3/3, 5/1, 7/1, 10/1, and custom ARM settings
Rate floor, ceiling, and increment controls
Scheduled-only comparison and extra-principal scenarios

ARM resets Recast modeling CSV export

Launch ARM Calculator

Fixed Projection Tool

Project a fixed-rate mortgage using a constant rate and scheduled principal-and-interest payment. Compare base amortization against added principal assumptions.

Fixed-rate payoff and balance projection
Monthly and lump-sum extra principal inputs
Cash-flow views including property tax timing

Fixed rate Extra principal PDF export

Launch Fixed Calculator

Learn before you model

These reference pages explain the differences between adjustable-rate and fixed-rate mortgages, how ARM adjustments work, and why rate caps matter for payment planning.

How the calculators think

The tools use monthly amortization logic. Interest is calculated from the beginning balance, scheduled principal is applied through the P&I payment, and extra principal reduces the balance after scheduled principal.

Use it for budgeting, not guarantees

Loan Projection Tool is intended for rough planning. Actual loan servicing rules, escrow requirements, taxes, fees, payment timing, rate-index formulas, and lender calculations may differ. For binding payoff figures or loan terms, use lender-provided documents and official servicing data.