{"$schema":"https://toolsly.tools/schemas/tool-manifest-v1.json","generated":"2026-06-02T15:45:19.909Z","discovery":{"catalog":"https://toptool.io/tools.json","llmsTxt":"https://toptool.io/llms.txt","sitemap":"https://toptool.io/sitemap.xml"},"relatedTools":[{"slug":"compound-interest-calculator","name":"Compound Interest Calculator","url":"https://toptool.io/compound-interest-calculator"},{"slug":"age-calculator","name":"Age Calculator","url":"https://toptool.io/age-calculator"},{"slug":"date-difference","name":"Date Difference Calculator","url":"https://toptool.io/date-difference"},{"slug":"fuel-cost-calculator","name":"Fuel Cost Calculator","url":"https://toptool.io/fuel-cost-calculator"},{"slug":"percentage-calculator","name":"Percentage Calculator","url":"https://toptool.io/percentage-calculator"},{"slug":"tip-calculator","name":"Tip Calculator","url":"https://toptool.io/tip-calculator"},{"slug":"aspect-ratio-calculator","name":"Aspect Ratio Calculator","url":"https://toptool.io/aspect-ratio-calculator"},{"slug":"pomodoro-timer","name":"Pomodoro Timer (Schedule Calculator)","url":"https://toptool.io/pomodoro-timer"}],"kind":"utility","slug":"loan-mortgage-calculator","name":"Loan & Mortgage Calculator","description":"Compute monthly payment, total interest, and the amortization schedule for any fixed-rate loan or mortgage.","longDescription":"Plug in the principal, annual interest rate and term — get the monthly payment, total cost over the life of the loan, total interest paid, and a per-month amortization schedule showing how each payment is split between principal and interest. Add an optional extra monthly principal payment to see how much faster you'd be debt-free and how much interest you'd save. The standard fixed-rate formula `M = P × (r/12) / (1 − (1 + r/12)^(−n))` is used. Runs entirely in your browser.","category":"calc","categoryName":"Calculators","keywords":["loan calculator","mortgage calculator","amortization calculator","loan payment calculator","mortgage payment calculator","car loan calculator","home loan calculator","loan amortization schedule","mortgage interest calculator","fixed rate loan calculator","extra principal payment calculator","payoff date calculator","loan repayment calculator","monthly mortgage payment","interest only calculator"],"badge":"Calculator","url":"https://toptool.io/loan-mortgage-calculator","inputs":[{"type":"number","key":"principal","label":"Loan amount","defaultValue":250000,"min":0,"step":1000},{"type":"number","key":"annualRate","label":"Annual interest rate (%)","defaultValue":6.5,"min":0,"max":30,"step":0.05},{"type":"number","key":"termYears","label":"Term (years)","defaultValue":30,"min":1,"max":40,"step":1},{"type":"number","key":"extraMonthly","label":"Extra monthly principal (optional)","defaultValue":0,"min":0,"step":25}],"outputs":[{"key":"monthlyPayment","label":"Monthly payment"},{"key":"totalPayments","label":"Total payments"},{"key":"totalInterest","label":"Total interest"},{"key":"payoffMonths","label":"Months to payoff"},{"key":"interestSaved","label":"Interest saved by extra payments"},{"key":"schedule","label":"Amortization (first 12 + last 12 months)","multiline":true}],"invocation":{"webUi":"https://toptool.io/loan-mortgage-calculator","api":null,"notes":"Currently invoked via the web UI at `webUi`. Inputs are form fields; outputs are structured text values. A remote MCP/REST API is planned."}}