🏠 Interest & Principal Payments Visualiser

Get ready to demystify your mortgage in a few clicks! This Standard Principal & Interest page gives you everything you need to understand how your home loan really works:

🔧 Interactive Inputs

• Deposit Amount ($) slider – Adjust your down-payment and see how it shrinks your loan principal instantly

• Loan Amount ($) slider – Set the size of your borrowing

• Interest Rate (%) slider – Tweak your annual rate

• Loan Term (years) slider – Choose your repayment horizon

📊 Monthly Payment Breakdown

• 🟡 Orange line = interest portion

• 🟢 Green line = principal portion

• 🔵 Blue line = total monthly payment (always flat)

• As months tick by, interest falls (you owe less), principal rises (you build equity faster).

📈 Cumulative Cash‐Flow

• 🟡 Orange line = total interest paid to date

• 🟢 Green line = total principal repaid to date

• 🔵 Blue line = your overall cash outflow (principal + interest)

• Watch how your long-term payments stack up.

💰 Loan Balance & Home Equity

• 🔵 Blue line (left axis) = remaining loan balance in dollars

• 🟢 Green line (right axis) = your equity as % of property value

• The point where these cross is when you’ve paid off half your borrowings!

🚀 How to Explore

1. Slide any input above and watch all charts update in real-time 📉

2. Hover over lines to see exact values at any month or year 🖱️

3. Visual cues (dotted lines, colors) guide you through each repayment dynamic 🎨

Have fun experimenting with different rates, terms, and deposit sizes—and help visualise your payments over time.  If you’re ready to jump into more advanced scenarios (lump sum repayments or refinancing), head over to the next pages. 🎉