Built from real Search Console demand

Calculate monthly loan payments, total interest, payoff date, extra-payment savings, and a downloadable amortization schedule. This route exists because FastTool had strong search exposure for this exact job but needed a better, more direct completion surface.

Uses the standard fixed-rate amortization formula with a transparent monthly-rate calculation.
Separates required payment from optional extra payment so the payoff and savings are inspectable.
Exports schedule rows and a JSON receipt so the result can be checked outside the page.

Boundary: Not lending advice, tax advice, affordability advice, mortgage approval, or a binding quote from a lender.