Debt

Edit mortgage terms and paydowns, then explore amortization scenarios.

Main mortgage

Loan terms used on the Debt and Projection pages.

Name

Home mortgage

Current debt

0 RON

Monthly payment

0 RON

Fixed rate / after

5% → 5%

Fixed until · term

2026-07-26 · 25 yrs

Current debt

0 RON

Monthly payment

0 RON

Interest rate

5.0%

Remaining term

0 yrs

Extra monthly payment

Mortgage overpayment0 RON

Apply overpay to

Installment stays 0 RON/mo (+ extra on top). Overpay removes months from the end.

When the rate changes after 2026, you keep the same installment — only the split shifts (more interest, less principal if the rate rises). Extra payments still cut the remaining term.

Lump-sum paydowns

0 active · toggle to include in chart

No lump payments yet. Add a bonus or inheritance payment to see payoff impact.

With 0 RON/mo extra

Payoff date

Jul 2026

0y 0m total

vs. no prepayments

Interest saved

0 RON

Total interest 0 RON

vs. no prepayments

Time saved

0y 0m

Baseline payoff Jul 2026

Remaining debt over time

Dashed = no extra payments · Solid = your overpayment

Amortization schedule

Yearly view

Year	Interest	Principal	Balance

What you pay over time

Each point is one installment. Total height stays near your fixed payment (+ extra); only the mix of interest vs principal changes.

PrincipalInterestOverpayment