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

2026-08-16 · 25 yrs

Current debt

0 RON

Monthly payment

0 RON

Interest rate

5.0%

Remaining term

25 yrs

Contractual · with extras ~0y 0m

Extra monthly payment

Mortgage overpayment0 RON

Apply overpay to

Installment starts at 0 RON/mo (+ extra on top). If a later rate would miss the 25-year end date, the installment is raised. Overpay still removes months.

When the rate changes after 2026, the installment is raised if the old payment would miss the original end date (as the bank would). Extra payments still finish earlier.

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

Aug 2026

0y 0m total

vs. no prepayments

Interest saved

0 RON

Total interest 0 RON

vs. no prepayments

Time saved

0y 0m

Baseline payoff Aug 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