See what your mortgage is really costing you
Not a calculator — a reveal.
Did you know?
You borrow $500,000.
You pay back $1,197,000.
At 7% over 30 years, nearly $697,000 goes straight to the bank as interest — more than the home itself.
$500kyour loan
~$697kinterest to bank
$0$500k · 7% · 30-year fixed$1,197,000 total
Every feature is a reveal
Two-scenario comparison
'Bank offer vs. credit union offer' — name them, compare side by side.
Scenario B saves $47,000 in total interest
PMI drop-off, exact month
The precise month it disappears and exactly how much you save.
PMI drops off Aug 2031 · saving $187/mo
Extra payment simulator
Move a slider and watch your payoff date shift.
Pay $200/mo more → own it 6 years sooner
The chart that changes everything
Six views of the same loan — watch $281,000 in interest accumulate, or see exactly where your payment flips from mostly-interest to mostly-principal.
- Principal vs. interest over time
- Cumulative interest — the painful truth
- Extra payment impact