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.