A little clarity before you borrow
Small rate change.
Different payment.
Move the interest rate. See what changes. Find a loan that fits your life.
YOUR MONTHLY PAYMENT
Principal + interest$2.30 more per month than at 5%
Compare standard and planned payoff
Standard plan
$191.01 / month
5 yr · $1,461 interest
$11,461 total cost
Your plan
$191.01 / month
5 yr · $1,461 interest
$11,461 total cost
What a rate change really costs
Same amount. Same term. A different payment.
Chart: scheduled principal + interest before extras or recasts. Table: planned outflow including recurring extras and any recast. Select a rate to explore.
| Interest rate | monthly outflow | Change vs. 5% | Total interest |
|---|---|---|---|
| $186.43 | −$2.28 | $1,186 | |
| $188.71 | — | $1,323 | |
| $191.01 | +$2.30 | $1,461 | |
| $193.33 | +$4.62 | $1,600 | |
| $195.66 | +$6.95 | $1,740 |
Start with your budget
What could you borrow?
At 5.5% over 5 yr, before down payment or fees.
Your payoff path
Where will you stand?
Payments on the selected schedule date are settled. Weekly and biweekly payments are aggregated into monthly rows, matching the app.
Principal, interest & balance graphs
Remaining balance
Yearly principal & interest
Green: principal · Tan: interest
Financed principal: $10,000 · Interest: $1,461 · Applied recast fee: $0. Principal exceeds interest from month 1.
Follow the payoff
Your principal, interest, and remaining balance.
| Year | Date | Paid | Principal | Interest | Extra included | Cumulative principal | Cumulative interest | Balance |
|---|---|---|---|---|---|---|---|---|
| 1 | — | $2,292.12 | $1,786.73 | $505.39 | $0.00 | $1,786.73 | $505.39 | $8,213.27 |
| 2 | — | $2,292.12 | $1,887.49 | $404.63 | $0.00 | $3,674.22 | $910.02 | $6,325.78 |
| 3 | — | $2,292.12 | $1,993.96 | $298.16 | $0.00 | $5,668.18 | $1,208.18 | $4,331.82 |
| 4 | — | $2,292.12 | $2,106.45 | $185.67 | $0.00 | $7,774.63 | $1,393.85 | $2,225.37 |
| 5 | — | $2,292.22 | $2,225.37 | $66.85 | $0.00 | $10,000.00 | $1,460.70 | $0.00 |