Calculate your exact monthly payment, total lifetime interest, and how much you save with Equal Principal repayment.
Formula: Standard fixed-rate amortization formula (Assumptions: 4.0% APR, 30-year term)
As of: November 2026
| $150,000 (4.0% APR, 30-yr) | $716 / mo (Total int. $107,804) |
| $300,000 (4.0% APR, 30-yr) | $1,432 / mo (Total int. $215,608) |
| $500,000 (4.0% APR, 30-yr) | $2,387 / mo (Total int. $359,347) |
| $750,000 (4.0% APR, 30-yr) | $3,580 / mo (Total int. $539,021) |
In a standard amortizing loan (Equal Payment), your monthly bill stays fixed while early payments go mostly toward interest. In an Equal Principal loan, you pay a fixed slice of principal every month plus declining interest—resulting in higher initial payments but substantial total interest savings.
Making just one additional monthly principal payment per year (or switching to bi-weekly payments) on a 30-year mortgage at 6% APR can shave 4 to 5 years off your loan term and save tens of thousands of dollars in interest.
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