Why Lamuko?
Most mortgage calculators stop at the monthly payment. Lamuko focuses on the questions homeowners actually ask after closing: What will my real payment be with taxes, insurance and PMI? How fast can I pay this off? What does an extra $200 a month really save? Should I switch to biweekly? Is a recast worth it? When does a refinance break even?
- Accurate: every calculator uses the standard amortization formula with interest rounded to the cent each period, and our code is tested against published reference values.
- Transparent: each page explains the formula and walks through a worked example so you can verify the math.
- Private: calculations run entirely in your browser. We never ask for your name, email or loan details.
- Free: no sign-up, no paywall.