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Commercial mortgage calculator.
Model any commercial loan: monthly principal & interest, total interest, the balloon payoff at term, and a year-by-year amortization schedule. Commercial loans rarely fully amortize — see what you'll actually owe when the loan comes due.
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%
yrs
Monthly payment (principal & interest)
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Total interest (full term)
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Balloon payoff
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Total paid to payoff
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Amortization by year
| Year | Interest | Principal | Ending balance |
|---|
Balloon vs. amortization: most commercial loans amortize over 20–30 years but come due in 5, 7, or 10 — you make the low amortized payment, then refinance or pay the balloon at term. The payoff figure above is what's still owed on that date.
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Estimates are for planning only and use simplified assumptions — not tax, legal, or investment advice. Verify with your lender, CPA, and a full broker analysis before acting.