Loan Graph mortgage payment calculator

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The screen shots below go through the ways you can interact with 'Loan Graph'.

In summary you can:

  • Tap an axis label to 'switch' it with the top slider.
  • Tap 'Switch' in the bottom left to swap the x-axis and y-axis.
  • Drag the sliders at the top. When you let go, they re-centre so that you can reach other values in multiple drags. The slider is also more 'sensitive' in the middle so allows you to select values more carefully on a second drag.
  • Tap in the graph area to select a position on the x-axis to 'report' on.
  • The black graph line shows the values calculated with the interest shown at the top.
  • The green graph line shows values calculated with zero interest (to allow a comparison).
  • The ratio of light red to light green shaded area on the graph shows the ratio of 'interst' payments to 'capital' payments over the course of the loan.
  • The percentage and value on the right of the graph shows how much 'interest' is paid over the whole loan. The percentage is of the amount borrowed. This means if the red to green is 1:1 (ie half-way up) you will have paid equal amounts of interest as capital payments. This will equate to 100%, because the interest added has been 100% of the original loan value.
  • The reset button at the bottom-right sets everything back to default values. It clears all your sliders and graph stretches.
  • Stretch the x-axis by pinching in the bottom right area of the graph.
  • Stretch the y-axis by pinching in the top left area of the graph.
  • K is for thousands. Eg 5K means 5000. M is for millions. Eg 3.5M means 3,500,000.