Manage mortgage details, amortization, and scenario planning in one place.
Set your core mortgage profile, sync it to Budget, then run side-by-side scenario comparisons whenever you need them.
Mortgage Center menu
Switch between profile setup and scenario planning.
Set up and maintain your primary mortgage profile. These details sync to your Budget mortgage bill.
Step 1
Mortgage details and baseline setup.
Set your primary mortgage profile. Changes here auto-sync your mortgage bill in Budget.
Mortgage summary
Mortgage 1
Loan amount
$400,000.00
APR
6.25%
Term
30 years
Start date
3/26/2026
Current monthly payment
$2,912.87
Estimated payoff
Feb 2056
Mortgage Details
Mortgage 1
Edit this mortgage baseline profile (Scenario A) and keep Budget aligned automatically.
Apply extra monthly payment
Keep the plan flexible and dial payments up or down anytime.
Lump sums
Schedule one-time boosts
Add tax refunds, bonuses, or equity sweeps to accelerate payoff.
Enable lump sums
Plan seasonal boosts or one-time paydown events.
No lump sums scheduled.
Refinance Scenario
Optional rate reset
Model a refinance or recast event to see break-even timelines.
Enable refinance modeling
Compare rate resets, terms, and closing costs.
Step 2
Review your amortization timeline.
Inspect monthly payoff progression for your primary mortgage profile.
Scenario pulse
Ground yourself in today, plan the push, then watch the finish line.
Start with the payment foundation, layer in acceleration moves, and stay focused on the major milestones that define the payoff story.
Payment foundation
What the mortgage costs right now
Average monthly payment
$2,912.87
First month sends $2,912.87
Principal reduced (12 mo)
$4,687.19
1.2% of starting balance
Payment mix month one
15%
Interest share 85%
Interest year one
$24,867.25
Keep rate changes on your radar
Escrow & PMI year one
$5,400.00
Budget buffer for increases
Milestone tracker
Keep eyes on the finish line
Projected payoff
Feb 2056
30 years remaining • Final payment about $2,911.91
Next steps
Download the export for month-by-month visibility, scenario comparisons, and refinance assumptions.
Acceleration moves
Where extra dollars are aimed
Monthly extra applied
$0.00
Launches month 1
Lump sum cadence
None scheduled
Add tax refunds or bonuses to accelerate payoff.
Acceleration committed
$0.00
$0.00 already applied year one
Step 3
Share or archive mortgage details.
Export and save your amortization schedule for future check-ins.
Exports
Share or archive this forecast
Export the full amortization as CSV or polished PDF for your records, lender comparisons, or household planning.
Assumptions & Disclosures
- Payments accrue monthly using the APR values provided. Figures exclude late fees, rate resets beyond scenarios, and lender-specific adjustments.
- Escrow entries surface for visibility and do not affect amortization balance. Confirm tax and insurance amounts with your servicer.
- Consult licensed professionals before refinancing; closing costs and qualification criteria vary by lender.
- This tool is for educational planning and is not financial, tax, or legal advice.
Step 4
Review mortgage details and amortization charts.
Track payment, payoff, and interest progression for your active mortgage scenario.
Current monthly payment
$2,912.87
Estimated payoff date
Feb 2056
Projected total interest
$486,632.24
Balance over time (mortgage details)
Interest over time (mortgage details)
Save Mortgage Center details
Keep your primary mortgage details and amortization context synced to your workspace.