LoanCalculator
LoanCalculator is a practical home loan calculator built for daily mortgage planning. It supports core amortization calculations for both equal principal and equal principal & interest repayment schedules, generating full month-by-month breakdown tables for users to check principal, interest, monthly payment and remaining balance in detail.
Besides regular loan simulation, the tool comes with an early prepayment calculator to handle partial lump-sum payoff scenarios. You can set custom prepayment date, prepayment amount and pick your preferred post-prepayment plan — either keep the original loan term to cut down monthly instalment or lock monthly payment to shorten overall tenure. After finishing all calculations, all generated repayment data can be exported directly as an Excel spreadsheet for offline filing and comparison.
Whether you’re picking between two mainstream repayment types or estimating interest savings from early loan payoff, this lightweight utility lets you run side-by-side trials easily to figure out which repayment plan fits your personal cash flow best.
