Balloon Payment Calculator

The Amortisation & Balloon Payment Calculator is a practical tool for borrowers, lenders, and real estate professionals who need to estimate structured loan repayments over a set amortisation term — with a shorter payment period. It’s especially useful for loans that include a balloon payment, a lump-sum balance due at the end of a shorter-term loan that doesn't fully amortise the debt.

This tool lets you enter the total loan amount, down payment percentage, interest rate, full amortisation period (e.g., 30 years), and the actual payment period (e.g., 15 years). It then calculates monthly payments, total paid over time, and the balloon payment due at the end of the shorter period.

Practical Use Cases:

• Homebuyers planning to refinance or sell before a mortgage fully matures can estimate the remaining balance (balloon) they'll owe at that time.
• Property investors using short-term financing can plan cash flow and exit strategies.
• Lenders and brokers can simulate partial-term loan structures during consultations.
• Buyers using bridge loans or interest-only periods can estimate when and how much will be due at the transition point.
• Financial advisors can help clients see long-term cost implications for different financing strategies.
• This tool supports better financial decision-making by showing not just what you'll pay monthly, but what remains unpaid if the loan doesn't run its full amortisation course.

Inputs Required:

• Mortgage Amount – The total loan amount.
• Down Payment (%) – The upfront payment to reduce principal.
• Interest Rate (%) – Annual percentage rate applied to the loan.
• Amortisation Term – The full duration over which the loan would be paid if fully amortised.
• Payment Period – The actual number of years you plan to make payments before the loan ends or is refinanced.

What It Calculates:

• Down Payment Amount – Auto-calculated from percentage.
• Monthly Payment – Based on amortisation, interest, and loan balance.
• Total Paid Per Year – Multiplies monthly cost by 12.
• Total Paid During Payment Period – Sum of all payments before balloon.
• Balloon Payment – Remaining loan balance at end of payment period.
• Total Interest Paid – Over the defined payment period.
• Total Amount Paid – Includes both principal and interest.

Validation:

• Warns users if the payment period exceeds the amortisation term.

If you encounter any issues or have suggestions for improvements, please report them using the form below.