About Mort Hut

Mort Hut is a free mortgage calculator that shows monthly payments, total interest and a full amortization schedule for any loan.

What you can do on Mort Hut

• Monthly Payment Calculator – Work out the monthly payment, total interest and total cost for a loan amount, rate and term.
• Equal Payment vs Equal Principal – Compare the two common repayment methods side by side.
• Early Repayment Savings – See how extra monthly payments shorten the loan and cut interest.
• Rate Comparison – Compare how different interest rates change your payments.
• Amortization Schedule – View the month-by-month split of principal and interest and export it as CSV.

Open the Mortgage Payment Calculator

How it works

• Free to use: no account, sign-up or payment is required.
• All calculations run locally in your browser. The loan amounts, rates and terms you enter are not sent to our servers.
• Works in modern desktop and mobile browsers, with nothing to install.
• The interface is available in English and Chinese.
• The site is supported by advertising, which keeps every tool free.

Who runs Mort Hut

Mort Hut is designed, written and maintained by an independent developer who prefers small, focused tools over bloated apps. Speed, a clean interface and careful handling of your data come first.

Why we built it

A mortgage is the largest financial commitment most households make, yet loan quotes rarely show how much of each payment goes to interest. Mort Hut lays out the full amortization schedule and the effect of extra payments, so you can understand a loan before you talk to a lender.

Feedback

If something does not work as expected, or you would like a new option, let us know via the Contact page. Every message is read.