Printable Mortgage Calculator
A free printable mortgage calculator — enter your loan amount, interest rate and term to see your repayment, the total interest you'll pay and a full amortization schedule you can print or save as a PDF. Choose weekly, fortnightly or monthly repayments and add optional extra repayments to see how much interest and time you save.
This tool works out a standard principal-and-interest home loan repayment using the same formula banks use. Type in how much you're borrowing, the annual interest rate and the length of the loan in years, then pick how often you repay. The summary panel shows your repayment amount, the number of repayments, the total you'll pay over the life of the loan and how much of that is interest. It's a quick way to sanity-check a lender's numbers or compare two different rates or terms side by side.
The amortization schedule breaks the loan down over time so you can see exactly how each repayment splits between interest and principal, and how the balance falls. Early on, most of each repayment goes to interest; later, more goes to paying down the balance. Choose a yearly summary to keep it to a page, or list every single repayment for a complete record. Add an extra repayment to each period and the calculator shows the interest you'd save and how many years earlier you'd be mortgage-free.
A balance-over-time graph plots the loan on a chart so you can see it fall to zero at a glance. When you add an extra repayment it draws a second line, letting you compare the minimum-repayment payoff against the faster with-extra payoff side by side — the gap between the two lines is the time you save. Turn the graph off if you only want the numbers.
Estimate only. This calculator is for general information and does not account for fees, offset accounts, redraw, rate changes, or your lender's exact rounding and day-count conventions. Always confirm figures with your lender or a licensed financial adviser before making decisions.
Printing at exact scale
Every sheet is drawn in real millimetres and prints at exact physical scale. For accurate output, set Scale = 100% (Actual size) and Margins = None in your browser's print dialog. Not sure your printer is honest? Run the printer ruler test first to confirm 50 mm really measures 50 mm.
Frequently asked questions
How is the mortgage repayment calculated?
It uses the standard amortizing-loan formula: the periodic rate is the annual rate divided by the number of repayments per year, and the repayment is the fixed amount that pays the loan to zero over the full term. Each repayment covers that period's interest first, and the rest reduces the balance.
What is an amortization schedule?
It's a table showing, for each period (or year), how much of your repayment goes to interest, how much goes to principal, and the remaining balance. It shows how a loan is gradually paid off over time.
Do extra repayments really help?
Yes. Anything above the scheduled repayment goes straight to the balance, so you pay less interest and clear the loan sooner. Enter an amount in 'Extra repayment' and the summary shows the interest and time saved.
Can I see a graph comparing minimum and extra repayments?
Yes. The balance-over-time graph plots your loan falling to zero. Add an extra repayment and it draws a second line so you can compare the minimum-repayment payoff against the faster with-extra payoff — the gap between the lines is the time you save. The graph can be turned off if you only want the tables.
Weekly, fortnightly or monthly — does it matter?
It can. More frequent repayments slightly reduce total interest because the balance drops sooner. Pick the frequency that matches your loan to compare fairly.
Does this include fees, offset or redraw?
No. It's a clean principal-and-interest estimate. Ongoing fees, offset accounts, redraw and interest-rate changes aren't modelled. Treat the result as a guide, not a quote.
Can I print the full schedule for a long loan?
Yes. In 'every repayment' mode the schedule automatically flows across as many pages as it needs, so a 30-year loan prints every repayment in full — the summary is on page one and the table continues on following pages, each numbered. Choose the yearly summary if you'd rather keep it to a single page.
Is it really free?
Yes. Every template on printsheet.io is completely free, with no sign-up, no account and no watermark. Generate as many sheets as you like.
How do I get an exact-scale print?
Choose your paper size, then in the print dialog set Scale to 100% or “Actual size” and Margins to None. The sheet is defined in real millimetres, so it prints at true size. Use the calibration ruler page to verify.
Which paper sizes are supported?
A4, A5, A3, A6, US Letter, Legal and Tabloid, in portrait or landscape. Pick the size that matches the paper loaded in your printer.
Can I save it as a PDF instead of printing?
Yes — choose “Save as PDF” as the printer in your browser's print dialog. The PDF keeps the exact millimetre dimensions.