# AmortizationPro — Loan Amortization Calculators

A free, client-side loan calculator suite that helps users compute monthly payments, view full amortization schedules, visualize balance and payment breakdowns over time, compare multiple loan scenarios side by side, and evaluate renting versus buying a home.

## Primary URLs

- / — Mortgage Amortization Calculator (home loans)
- /auto-loan-calculator/ — Auto Loan Calculator (vehicle financing)
- /personal-loan-calculator/ — Personal Loan Calculator (unsecured loans)
- /mortgage-refinance-calculator/ — Mortgage Refinance Calculator
- /rent-vs-buy-calculator/ — Rent vs. Buy Calculator

## Tool descriptions

### Mortgage Amortization Calculator (/)
Computes monthly mortgage payments for home purchases. Users enter home price, down payment, interest rate, and term. Results include monthly payment, total payment, total interest paid, and a full amortization schedule.

### Auto Loan Calculator (/auto-loan-calculator/)
Computes monthly car payments. Users enter vehicle price, down payment or trade-in, interest rate, and term in years. Supports loan terms from 2 to 7 years.

### Personal Loan Calculator (/personal-loan-calculator/)
Computes monthly payments on unsecured personal loans. Users enter loan amount, interest rate (up to 36%), and term from 1 to 7 years.

### Mortgage Refinance Calculator (/mortgage-refinance-calculator/)
Computes new monthly payments for a refinanced mortgage. Users enter their remaining balance and compare new interest rates and terms (5 to 30 years).

### Rent vs. Buy Calculator (/rent-vs-buy-calculator/)
Compares the long-term financial outcomes of renting versus buying a home, including net worth projections, equity growth, and break-even timelines.

## Shared content areas

### Calculator
The main input panel accepts loan amount, annual interest rate, loan term, and start date. Results include monthly payment, total payment, total interest paid, and an interest-to-principal ratio.

### Amortization Schedule
A full month-by-month table showing each payment number, payment date, payment amount, principal portion, interest portion, and remaining balance for the entire loan term.

### Charts
Visual breakdowns of the loan, including:
- Balance over time (declining balance curve)
- Principal vs. interest split (donut chart of total amounts)
- Payment breakdown by month (stacked bar chart)

### Loan Comparison
A side-by-side comparison tool that allows users to configure two different loan scenarios simultaneously and compare their monthly payments, total interest, and payoff timelines.

## Notes

All calculations are performed in the browser. No data is sent to a server. Each calculator tool is available at its own URL and supports shareable links that encode the current loan parameters.