A/B Testing
Compare Mortgage Scenarios — pick your best loan
Line up 2, 3, 4 or more loans side-by-side. Compare 30 vs 15 years, paying points for a lower rate, extra payments, different down payments, or HELOC + first-lien combos. We'll flag the lowest monthly payment, fastest payoff, and least lifetime interest.
3 scenarios loaded
Lowest Interest
Fastest Payoff
Lowest PITI
$450,000·20.0% down·6.75%·30yr
Monthly PITI+HOA
$2,867.45
Total Interest
$480,585.86
Term Length
360 mo (30.0y)
Interest Saved
$0.00
$450,000·20.0% down·5.88%·15yr
Monthly PITI+HOA
$3,546.13
Total Interest
$182,452.47★
Term Length
180 mo (15.0y)★
Interest Saved
$0.31
$450,000·20.0% down·6.75%·30yr
Monthly PITI+HOA
$2,867.45★
Total Interest
$327,361.74
Term Length
261 mo (21.8y)
Interest Saved
$153,221.39
Monthly Payment Comparison
P&I + PMI + Tax + Ins + HOA
Lifetime Cost Composition
Through the loan term
Balance Trajectory
Remaining principal over time
Side-by-side Summary
| Metric | 30-Year Fixed @ 6.75% | 15-Year Fixed @ 5.875% | 30-Yr + Extra $300/mo |
|---|---|---|---|
| Home Price | $450,000.00 | $450,000.00 | $450,000.00 |
| Down Payment % | 20% | 20% | 20% |
| Loan Amount | $360,000.00 | $360,000.00 | $360,000.00 |
| Monthly P&I | $2,334.95 | $3,013.63 | $2,334.95 |
| Monthly PMI | $0.00 | $0.00 | $0.00 |
| Monthly Tax+Ins+HOA | $532.50 | $532.50 | $532.50 |
| Monthly Total | $2,867.45 | $3,546.13 | $2,867.45 |
| Total of Payments | $1,032,282.00 | $638,302.47 | $826,344.24 |
| Total Interest | $480,585.86 | $182,452.47 | $327,361.74 |
| Total PMI | $0.00 | $0.00 | $0.00 |
| Payoff Month | 360 mo | 180 mo | 261 mo |
| Months Saved | 0 mo | 0 mo | 99 mo |
| Interest Saved | $0.00 | $0.31 | $153,221.39 |
| PMI Removed At | N/A | N/A | N/A |