# Tiny Mortgage Calculator 1.0 for Windows.

Tiny Mortgage Calculator 1.0 is a free Windows application that lets you quickly calculate some essential mortgage-related figures. Simply enter the amount to be financed, the interest rate and duration of the loan. After entering those three numbers into the Tiny Mortgage Calculator, click on the "Calculate" button and you will immediately see how much you would have to pay monthly and yearly. You will also be able to find out how much you would have to pay in finance charges and what percentage of the principal they would represent. Finally, the total cost of the loan will be displayed.

For example, if you enter \$100,000 as the loan amount, 6% as the interest rate and 30 years as the duration of the loan, you will see that your monthly payments will be \$599 or \$7,194 per year. In addition to the principal you would have to pay \$115,838 in finance charges, which is 115% of the principal. In total, you would have to pay \$215,838.

Note: In order to use the Tiny Mortgage Calculator for Windows, you will need to download and install it. If you are looking for an online mortgage calculator that will work directly in your browser, please click here.

If you now change the loan duration from 30 years to 15 years, you will see that your monthly payments will increase to \$843. Your total finance charges will drop to \$51,894, or 51% of the principal.

It is no surprise that the longer is duration of the loan, the more is the percentage of the finance charges. In addition, although your monthly payments will decrease, they will never get below the amount of the loan multiplied by the monthly interest rate. In our example, if the mortgage amount is \$100,000 and the monthly interest rate is 0.5%, the monthly payments will always be at least \$500. You can quickly verify that by selecting Duration-other and entering a very long loan duration, for example 1000 years.

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