| Home | Mortgage | Car | Loan | Biweekly | Extra Payment | Refinance | HELOC | Excel |
Refinance Amortization Calculator is used to calculate the monthly payment for your refinanced loan or mortgage.
Mortgage Refinance Calculator Results |
||||||
New Monthly Payment: |
$1,465.98 | |||||
Payoff Date: |
Sep, 2038 | |||||
Closing Cost: |
$3,000.00 | |||||
Other Expenses: |
$0.00 | |||||
Interest Savings: |
$70,680.00 | |||||
Total Savings: |
$67,680.00 | |||||
Mortgage Refinance Amortization Schedule |
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| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Oct, 2023 | 1 | $817.50 | $648.48 | $1,465.98 | $179,351.52 | |
| Nov, 2023 | 2 | $814.55 | $651.42 | $1,465.98 | $178,700.10 | |
| Dec, 2023 | 3 | $811.60 | $654.38 | $1,465.98 | $178,045.72 | |
| Jan, 2024 | 4 | $808.62 | $657.35 | $1,465.98 | $177,388.36 | |
| Feb, 2024 | 5 | $805.64 | $660.34 | $1,465.98 | $176,728.02 | |
| Mar, 2024 | 6 | $802.64 | $663.34 | $1,465.98 | $176,064.68 | |
| Apr, 2024 | 7 | $799.63 | $666.35 | $1,465.98 | $175,398.33 | |
| May, 2024 | 8 | $796.60 | $669.38 | $1,465.98 | $174,728.95 | |
| Jun, 2024 | 9 | $793.56 | $672.42 | $1,465.98 | $174,056.53 | |
| Jul, 2024 | 10 | $790.51 | $675.47 | $1,465.98 | $173,381.06 | |
| Aug, 2024 | 11 | $787.44 | $678.54 | $1,465.98 | $172,702.52 | |
| Sep, 2024 | 12 | $784.36 | $681.62 | $1,465.98 | $172,020.90 | |
| Oct, 2024 | 13 | $781.26 | $684.72 | $1,465.98 | $171,336.18 | |
| Nov, 2024 | 14 | $778.15 | $687.83 | $1,465.98 | $170,648.36 | |
| Dec, 2024 | 15 | $775.03 | $690.95 | $1,465.98 | $169,957.41 | |
| Jan, 2025 | 16 | $771.89 | $694.09 | $1,465.98 | $169,263.32 | |
| Feb, 2025 | 17 | $768.74 | $697.24 | $1,465.98 | $168,566.08 | |
| Mar, 2025 | 18 | $765.57 | $700.41 | $1,465.98 | $167,865.67 | |
| Apr, 2025 | 19 | $762.39 | $703.59 | $1,465.98 | $167,162.08 | |
| May, 2025 | 20 | $759.19 | $706.78 | $1,465.98 | $166,455.30 | |
| Jun, 2025 | 21 | $755.98 | $709.99 | $1,465.98 | $165,745.30 | |
| Jul, 2025 | 22 | $752.76 | $713.22 | $1,465.98 | $165,032.08 | |
| Aug, 2025 | 23 | $749.52 | $716.46 | $1,465.98 | $164,315.62 | |
| Sep, 2025 | 24 | $746.27 | $719.71 | $1,465.98 | $163,595.91 | |
| Oct, 2025 | 25 | $743.00 | $722.98 | $1,465.98 | $162,872.93 | |
| Nov, 2025 | 26 | $739.71 | $726.26 | $1,465.98 | $162,146.67 | |
| Dec, 2025 | 27 | $736.42 | $729.56 | $1,465.98 | $161,417.11 | |
| Jan, 2026 | 28 | $733.10 | $732.88 | $1,465.98 | $160,684.23 | |
| Feb, 2026 | 29 | $729.77 | $736.20 | $1,465.98 | $159,948.02 | |
| Mar, 2026 | 30 | $726.43 | $739.55 | $1,465.98 | $159,208.48 | |
| Apr, 2026 | 31 | $723.07 | $742.91 | $1,465.98 | $158,465.57 | |
| May, 2026 | 32 | $719.70 | $746.28 | $1,465.98 | $157,719.29 | |
| Jun, 2026 | 33 | $716.31 | $749.67 | $1,465.98 | $156,969.62 | |
| Jul, 2026 | 34 | $712.90 | $753.08 | $1,465.98 | $156,216.54 | |
| Aug, 2026 | 35 | $709.48 | $756.50 | $1,465.98 | $155,460.05 | |
| Sep, 2026 | 36 | $706.05 | $759.93 | $1,465.98 | $154,700.12 | |
| Oct, 2026 | 37 | $702.60 | $763.38 | $1,465.98 | $153,936.74 | |
| Nov, 2026 | 38 | $699.13 | $766.85 | $1,465.98 | $153,169.89 | |
| Dec, 2026 | 39 | $695.65 | $770.33 | $1,465.98 | $152,399.55 | |
| Jan, 2027 | 40 | $692.15 | $773.83 | $1,465.98 | $151,625.72 | |
| Feb, 2027 | 41 | $688.63 | $777.35 | $1,465.98 | $150,848.38 | |
| Mar, 2027 | 42 | $685.10 | $780.88 | $1,465.98 | $150,067.50 | |
| Apr, 2027 | 43 | $681.56 | $784.42 | $1,465.98 | $149,283.08 | |
| May, 2027 | 44 | $677.99 | $787.98 | $1,465.98 | $148,495.10 | |
| Jun, 2027 | 45 | $674.42 | $791.56 | $1,465.98 | $147,703.53 | |
| Jul, 2027 | 46 | $670.82 | $795.16 | $1,465.98 | $146,908.37 | |
| Aug, 2027 | 47 | $667.21 | $798.77 | $1,465.98 | $146,109.60 | |
| Sep, 2027 | 48 | $663.58 | $802.40 | $1,465.98 | $145,307.21 | |
| Oct, 2027 | 49 | $659.94 | $806.04 | $1,465.98 | $144,501.16 | |
| Nov, 2027 | 50 | $656.28 | $809.70 | $1,465.98 | $143,691.46 | |
| Dec, 2027 | 51 | $652.60 | $813.38 | $1,465.98 | $142,878.08 | |
| Jan, 2028 | 52 | $648.90 | $817.07 | $1,465.98 | $142,061.01 | |
| Feb, 2028 | 53 | $645.19 | $820.78 | $1,465.98 | $141,240.22 | |
| Mar, 2028 | 54 | $641.47 | $824.51 | $1,465.98 | $140,415.71 | |
| Apr, 2028 | 55 | $637.72 | $828.26 | $1,465.98 | $139,587.45 | |
| May, 2028 | 56 | $633.96 | $832.02 | $1,465.98 | $138,755.43 | |
| Jun, 2028 | 57 | $630.18 | $835.80 | $1,465.98 | $137,919.64 | |
| Jul, 2028 | 58 | $626.39 | $839.59 | $1,465.98 | $137,080.04 | |
| Aug, 2028 | 59 | $622.57 | $843.41 | $1,465.98 | $136,236.64 | |
| Sep, 2028 | 60 | $618.74 | $847.24 | $1,465.98 | $135,389.40 | |
| Oct, 2028 | 61 | $614.89 | $851.09 | $1,465.98 | $134,538.31 | |
| Nov, 2028 | 62 | $611.03 | $854.95 | $1,465.98 | $133,683.36 | |
| Dec, 2028 | 63 | $607.15 | $858.83 | $1,465.98 | $132,824.53 | |
| Jan, 2029 | 64 | $603.24 | $862.73 | $1,465.98 | $131,961.79 | |
| Feb, 2029 | 65 | $599.33 | $866.65 | $1,465.98 | $131,095.14 | |
| Mar, 2029 | 66 | $595.39 | $870.59 | $1,465.98 | $130,224.55 | |
| Apr, 2029 | 67 | $591.44 | $874.54 | $1,465.98 | $129,350.01 | |
| May, 2029 | 68 | $587.46 | $878.51 | $1,465.98 | $128,471.50 | |
| Jun, 2029 | 69 | $583.47 | $882.50 | $1,465.98 | $127,588.99 | |
| Jul, 2029 | 70 | $579.47 | $886.51 | $1,465.98 | $126,702.48 | |
| Aug, 2029 | 71 | $575.44 | $890.54 | $1,465.98 | $125,811.94 | |
| Sep, 2029 | 72 | $571.40 | $894.58 | $1,465.98 | $124,917.36 | |
| Oct, 2029 | 73 | $567.33 | $898.65 | $1,465.98 | $124,018.72 | |
| Nov, 2029 | 74 | $563.25 | $902.73 | $1,465.98 | $123,115.99 | |
| Dec, 2029 | 75 | $559.15 | $906.83 | $1,465.98 | $122,209.16 | |
| Jan, 2030 | 76 | $555.03 | $910.95 | $1,465.98 | $121,298.22 | |
| Feb, 2030 | 77 | $550.90 | $915.08 | $1,465.98 | $120,383.13 | |
| Mar, 2030 | 78 | $546.74 | $919.24 | $1,465.98 | $119,463.89 | |
| Apr, 2030 | 79 | $542.57 | $923.41 | $1,465.98 | $118,540.48 | |
| May, 2030 | 80 | $538.37 | $927.61 | $1,465.98 | $117,612.87 | |
| Jun, 2030 | 81 | $534.16 | $931.82 | $1,465.98 | $116,681.05 | |
| Jul, 2030 | 82 | $529.93 | $936.05 | $1,465.98 | $115,745.00 | |
| Aug, 2030 | 83 | $525.68 | $940.30 | $1,465.98 | $114,804.70 | |
| Sep, 2030 | 84 | $521.40 | $944.57 | $1,465.98 | $113,860.12 | |
| Oct, 2030 | 85 | $517.11 | $948.86 | $1,465.98 | $112,911.26 | |
| Nov, 2030 | 86 | $512.81 | $953.17 | $1,465.98 | $111,958.09 | |
| Dec, 2030 | 87 | $508.48 | $957.50 | $1,465.98 | $111,000.58 | |
| Jan, 2031 | 88 | $504.13 | $961.85 | $1,465.98 | $110,038.73 | |
| Feb, 2031 | 89 | $499.76 | $966.22 | $1,465.98 | $109,072.51 | |
| Mar, 2031 | 90 | $495.37 | $970.61 | $1,465.98 | $108,101.91 | |
| Apr, 2031 | 91 | $490.96 | $975.02 | $1,465.98 | $107,126.89 | |
| May, 2031 | 92 | $486.53 | $979.44 | $1,465.98 | $106,147.45 | |
| Jun, 2031 | 93 | $482.09 | $983.89 | $1,465.98 | $105,163.55 | |
| Jul, 2031 | 94 | $477.62 | $988.36 | $1,465.98 | $104,175.19 | |
| Aug, 2031 | 95 | $473.13 | $992.85 | $1,465.98 | $103,182.34 | |
| Sep, 2031 | 96 | $468.62 | $997.36 | $1,465.98 | $102,184.98 | |
| Oct, 2031 | 97 | $464.09 | $1,001.89 | $1,465.98 | $101,183.10 | |
| Nov, 2031 | 98 | $459.54 | $1,006.44 | $1,465.98 | $100,176.66 | |
| Dec, 2031 | 99 | $454.97 | $1,011.01 | $1,465.98 | $99,165.65 | |
| Jan, 2032 | 100 | $450.38 | $1,015.60 | $1,465.98 | $98,150.05 | |
| Feb, 2032 | 101 | $445.76 | $1,020.21 | $1,465.98 | $97,129.83 | |
| Mar, 2032 | 102 | $441.13 | $1,024.85 | $1,465.98 | $96,104.98 | |
| Apr, 2032 | 103 | $436.48 | $1,029.50 | $1,465.98 | $95,075.48 | |
| May, 2032 | 104 | $431.80 | $1,034.18 | $1,465.98 | $94,041.30 | |
| Jun, 2032 | 105 | $427.10 | $1,038.87 | $1,465.98 | $93,002.43 | |
| Jul, 2032 | 106 | $422.39 | $1,043.59 | $1,465.98 | $91,958.84 | |
| Aug, 2032 | 107 | $417.65 | $1,048.33 | $1,465.98 | $90,910.51 | |
| Sep, 2032 | 108 | $412.89 | $1,053.09 | $1,465.98 | $89,857.41 | |
| Oct, 2032 | 109 | $408.10 | $1,057.88 | $1,465.98 | $88,799.54 | |
| Nov, 2032 | 110 | $403.30 | $1,062.68 | $1,465.98 | $87,736.85 | |
| Dec, 2032 | 111 | $398.47 | $1,067.51 | $1,465.98 | $86,669.35 | |
| Jan, 2033 | 112 | $393.62 | $1,072.36 | $1,465.98 | $85,596.99 | |
| Feb, 2033 | 113 | $388.75 | $1,077.23 | $1,465.98 | $84,519.77 | |
| Mar, 2033 | 114 | $383.86 | $1,082.12 | $1,465.98 | $83,437.65 | |
| Apr, 2033 | 115 | $378.95 | $1,087.03 | $1,465.98 | $82,350.62 | |
| May, 2033 | 116 | $374.01 | $1,091.97 | $1,465.98 | $81,258.65 | |
| Jun, 2033 | 117 | $369.05 | $1,096.93 | $1,465.98 | $80,161.72 | |
| Jul, 2033 | 118 | $364.07 | $1,101.91 | $1,465.98 | $79,059.81 | |
| Aug, 2033 | 119 | $359.06 | $1,106.92 | $1,465.98 | $77,952.89 | |
| Sep, 2033 | 120 | $354.04 | $1,111.94 | $1,465.98 | $76,840.95 | |
| Oct, 2033 | 121 | $348.99 | $1,116.99 | $1,465.98 | $75,723.96 | |
| Nov, 2033 | 122 | $343.91 | $1,122.07 | $1,465.98 | $74,601.89 | |
| Dec, 2033 | 123 | $338.82 | $1,127.16 | $1,465.98 | $73,474.73 | |
| Jan, 2034 | 124 | $333.70 | $1,132.28 | $1,465.98 | $72,342.45 | |
| Feb, 2034 | 125 | $328.56 | $1,137.42 | $1,465.98 | $71,205.02 | |
| Mar, 2034 | 126 | $323.39 | $1,142.59 | $1,465.98 | $70,062.43 | |
| Apr, 2034 | 127 | $318.20 | $1,147.78 | $1,465.98 | $68,914.66 | |
| May, 2034 | 128 | $312.99 | $1,152.99 | $1,465.98 | $67,761.66 | |
| Jun, 2034 | 129 | $307.75 | $1,158.23 | $1,465.98 | $66,603.44 | |
| Jul, 2034 | 130 | $302.49 | $1,163.49 | $1,465.98 | $65,439.95 | |
| Aug, 2034 | 131 | $297.21 | $1,168.77 | $1,465.98 | $64,271.18 | |
| Sep, 2034 | 132 | $291.90 | $1,174.08 | $1,465.98 | $63,097.10 | |
| Oct, 2034 | 133 | $286.57 | $1,179.41 | $1,465.98 | $61,917.68 | |
| Nov, 2034 | 134 | $281.21 | $1,184.77 | $1,465.98 | $60,732.91 | |
| Dec, 2034 | 135 | $275.83 | $1,190.15 | $1,465.98 | $59,542.76 | |
| Jan, 2035 | 136 | $270.42 | $1,195.56 | $1,465.98 | $58,347.21 | |
| Feb, 2035 | 137 | $264.99 | $1,200.99 | $1,465.98 | $57,146.22 | |
| Mar, 2035 | 138 | $259.54 | $1,206.44 | $1,465.98 | $55,939.78 | |
| Apr, 2035 | 139 | $254.06 | $1,211.92 | $1,465.98 | $54,727.87 | |
| May, 2035 | 140 | $248.56 | $1,217.42 | $1,465.98 | $53,510.44 | |
| Jun, 2035 | 141 | $243.03 | $1,222.95 | $1,465.98 | $52,287.49 | |
| Jul, 2035 | 142 | $237.47 | $1,228.51 | $1,465.98 | $51,058.98 | |
| Aug, 2035 | 143 | $231.89 | $1,234.09 | $1,465.98 | $49,824.90 | |
| Sep, 2035 | 144 | $226.29 | $1,239.69 | $1,465.98 | $48,585.21 | |
| Oct, 2035 | 145 | $220.66 | $1,245.32 | $1,465.98 | $47,339.89 | |
| Nov, 2035 | 146 | $215.00 | $1,250.98 | $1,465.98 | $46,088.91 | |
| Dec, 2035 | 147 | $209.32 | $1,256.66 | $1,465.98 | $44,832.25 | |
| Jan, 2036 | 148 | $203.61 | $1,262.37 | $1,465.98 | $43,569.89 | |
| Feb, 2036 | 149 | $197.88 | $1,268.10 | $1,465.98 | $42,301.79 | |
| Mar, 2036 | 150 | $192.12 | $1,273.86 | $1,465.98 | $41,027.93 | |
| Apr, 2036 | 151 | $186.34 | $1,279.64 | $1,465.98 | $39,748.29 | |
| May, 2036 | 152 | $180.52 | $1,285.46 | $1,465.98 | $38,462.83 | |
| Jun, 2036 | 153 | $174.69 | $1,291.29 | $1,465.98 | $37,171.54 | |
| Jul, 2036 | 154 | $168.82 | $1,297.16 | $1,465.98 | $35,874.38 | |
| Aug, 2036 | 155 | $162.93 | $1,303.05 | $1,465.98 | $34,571.33 | |
| Sep, 2036 | 156 | $157.01 | $1,308.97 | $1,465.98 | $33,262.36 | |
| Oct, 2036 | 157 | $151.07 | $1,314.91 | $1,465.98 | $31,947.45 | |
| Nov, 2036 | 158 | $145.09 | $1,320.88 | $1,465.98 | $30,626.57 | |
| Dec, 2036 | 159 | $139.10 | $1,326.88 | $1,465.98 | $29,299.68 | |
| Jan, 2037 | 160 | $133.07 | $1,332.91 | $1,465.98 | $27,966.77 | |
| Feb, 2037 | 161 | $127.02 | $1,338.96 | $1,465.98 | $26,627.81 | |
| Mar, 2037 | 162 | $120.93 | $1,345.04 | $1,465.98 | $25,282.77 | |
| Apr, 2037 | 163 | $114.83 | $1,351.15 | $1,465.98 | $23,931.61 | |
| May, 2037 | 164 | $108.69 | $1,357.29 | $1,465.98 | $22,574.32 | |
| Jun, 2037 | 165 | $102.53 | $1,363.45 | $1,465.98 | $21,210.87 | |
| Jul, 2037 | 166 | $96.33 | $1,369.65 | $1,465.98 | $19,841.23 | |
| Aug, 2037 | 167 | $90.11 | $1,375.87 | $1,465.98 | $18,465.36 | |
| Sep, 2037 | 168 | $83.86 | $1,382.12 | $1,465.98 | $17,083.24 | |
| Oct, 2037 | 169 | $77.59 | $1,388.39 | $1,465.98 | $15,694.85 | |
| Nov, 2037 | 170 | $71.28 | $1,394.70 | $1,465.98 | $14,300.15 | |
| Dec, 2037 | 171 | $64.95 | $1,401.03 | $1,465.98 | $12,899.12 | |
| Jan, 2038 | 172 | $58.58 | $1,407.40 | $1,465.98 | $11,491.73 | |
| Feb, 2038 | 173 | $52.19 | $1,413.79 | $1,465.98 | $10,077.94 | |
| Mar, 2038 | 174 | $45.77 | $1,420.21 | $1,465.98 | $8,657.73 | |
| Apr, 2038 | 175 | $39.32 | $1,426.66 | $1,465.98 | $7,231.07 | |
| May, 2038 | 176 | $32.84 | $1,433.14 | $1,465.98 | $5,797.93 | |
| Jun, 2038 | 177 | $26.33 | $1,439.65 | $1,465.98 | $4,358.29 | |
| Jul, 2038 | 178 | $19.79 | $1,446.18 | $1,465.98 | $2,912.10 | |
| Aug, 2038 | 179 | $13.23 | $1,452.75 | $1,465.98 | $1,459.35 | |
| Sep, 2038 | 180 | $6.63 | $1,459.35 | $1,465.98 | $0.00 | |
Original vs. Mortgage Refinance |
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| Original | Mortgage Refinance | |||||
| Monthly Payment | $1,246.87 | $1,465.98 | ||||
| Total Interest | $154,556.17 | $83,876.17 | ||||
| Total Principal | $180,000.00 | $180,000.00 | ||||
| Total Payment | $334,556.17 | $263,876.17 | ||||
| Closing Cost | $0 | $3,000.00 | ||||
| Other Expenses | $0 | $0.00 | ||||
| Total Interest Savings | $0 | $70,680.00 | ||||
| Total Savings | $0 | $67,680.00 | ||||
| Payoff Date | Feb, 2046 | Sep, 2038 | ||||
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