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LPT Loan Projection Tool Mortgage projection calculators

Scenario summary

Rate adjustment schedule

Worst increases by the increment at each scheduled adjustment, capped by the ceiling. Best decreases by the increment, floored by the floor. Neutral holds the initial rate flat and recasts at every scheduled adjustment.

Methodology / site notes

How to use
Set the current balance and projection start date, choose an ARM preset or custom reset timing, then compare best, neutral, and worst views. Use the Additional Principal section to test monthly or one-time principal reductions. Use Maintain payment at recast to isolate the principal reduction needed before the next recast without counting any extra-payment assumptions.
Methodology
Monthly interest is calculated from beginning balance × annual rate ÷ 12. Scheduled P&I is recalculated on recast dates using remaining principal, the scenario rate, and remaining scheduled months. Extra principal reduces balance after scheduled P&I. Property tax affects cash-flow views only.
Privacy / terms direction
This file runs client-side. Save View exports JSON locally. Load View reads a local JSON file and applies only whitelisted fields after clamping. For a public site, use separate Privacy Policy, Terms of Use, Disclaimer, Methodology, How to Use, and Contact pages.