Thirty: Loan What-If

See how extra payments or refinancing change what you pay, what you still owe, and when your loan ends. Thirty is a loan and mortgage what-if calculator. Start with a loan you already have: enter its balance, interest rate and remaining term, and the date of the next payment. The principal and interest payment is calculated from those numbers. You can also enter a new loan. COMPARE AT THE SAME POINT IN TIME A lower payment is only part of the picture. Put your loan and named options side by side at 2 years or 5 years. See the money paid in payments, interest and closing costs, and balance still owed at that same point, alongside totals over the remaining loan. EXPLORE A CHANGE - Add a recurring extra payment or a lump sum in a chosen month. - Model refinancing with a new rate, term and closing costs, paid separately or added to the loan. - Try payments every 14 days. - Change the down payment and model private mortgage insurance (PMI). - Enter a different interest rate and see how the schedule changes. FOLLOW THE NUMBERS Open each year of the amortization schedule to see its payments and totals. Read principal and interest separately, follow the remaining balance, and see the projected payoff month. Calculation assumptions stay beside the results. SAVE AND TAKE THE COMPARISON WITH YOU Name your loan and options. Save changes to the loan you opened, then return to its saved dates and currency. Export the loan schedule, an option's schedule or the comparison as CSV. INCLUDED FREE The calculation engine, amortization schedule, one saved loan, up to two options with one change each, comparisons at 2 and 5 years, and CSV export. A refinance with its rate, term and closing costs counts as one change. THIRTY PRO — ONE-TIME IN-APP PURCHASE - Combine several changes in one option, such as refinancing plus extra payments. - Compare your loan with up to three options. - Choose a month of your own for the comparison. - Save unlimited loans. - Export schedules and comparison reports as PDF. Free and Pro use the same calculation engine. Pro is a one-time purchase, not a subscription. CALCULATIONS ON YOUR DEVICE No ads or account required. Calculate and keep saved loans on your device without an internet connection. Purchasing or restoring Pro requires an internet connection. Estimates are based on your inputs and the assumptions shown. Property taxes and homeowners insurance are not included. PMI is modeled when entered. Lender calculations and payment rules may differ. Thirty does not provide financial advice, offer loans or connect to bank accounts.