Disclaimer: This calculator is for awareness only. Calculations may be incomplete or contain errors and are not financial advice.
Yearly & Cumulative
Yearly Principal vs Interest
Monthly P&I
$0.00
Annual P&I
$0.00
Cumulative Over Time
$
%
User Guide
- Set Loan Amount, Term, and Interest Rate using the inputs or sliders; charts update instantly.
- Yearly chart: Green = Principal repaid; Red = Interest paid each year. The purple legend shows the zero‑interest yearly amount; the count shows years where interest exceeds that baseline.
- Cumulative chart: Green = Cumulative Principal; Red = Cumulative Interest. Dashed gray line marks the loan amount; shaded red region highlights when cumulative interest exceeds the loan.
- The thin stacked bar at the left shows total composition: green up to the loan amount, red up to the total paid.
- Hover tooltips: Yearly shows per‑year principal/interest; Cumulative shows cumulative principal/interest/total for each year span.
- Use Reset to restore the default example values. All calculations run locally in your browser.