Calculate commercial mortgage payment and amortization
For commercial borrowers calculating loan costs: monthly payment, total interest, balloon payment (if applicable), and full amortization.
Commercial Loan Calculator
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Create Free AccountWhat it does
The Commercial Loan Calculator computes commercial mortgage payments, amortization schedules, and balloon payments on investor loans typically structured with interest-only periods or non-standard amortization. Model different loan structures to compare payment obligations.
Commercial loans deviate from consumer mortgage standards by using DSCR qualification, interest-only periods, and balloon payments. This calculator shows payment structures unique to commercial financing so investors understand how commercial debt differs from residential.
Who it's for
- Commercial borrowers understanding payment obligations on unique loan structures
- Commercial lenders calculating payment schedules and validating borrower capacity
- Commercial brokers explaining loan terms to buyer clients during due diligence
- Investors modeling debt service in acquisition underwriting analysis
How it works
Enter loan details
Loan amount, interest rate, amortization period, term/maturity date.
Select balloon or straight amortization
Balloon: lower payment, large lump sum due; straight: payment covers full payoff.
Calculate monthly payment and total interest
See full cost of borrowing.
Why it matters
Calculate monthly commercial payment
Model different amortization periods (10, 20, 25 years)
Understand balloon payoff at maturity
Plan refinance or sale timing to cover balloon
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67 Calculators
Every investment strategy — rental, flip, BRRRR, mortgage, commercial, wealth building.
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Conservative, base, and optimistic 1/2/5/10-year return modeling.
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Address Auto-Fill
Enter a property address to pre-fill value, rent, and tax data automatically.
Live FRED Rates
Mortgage rate fields pre-populate with Federal Reserve interest rate data.
Investment-Grade Math
Every formula audited against professional underwriting standards.
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Frequently asked questions
What's typical commercial loan amortization?
25–30 years typical. Shorter amortization (10–15 years) = higher payment but less interest. Longer = lower payment but more interest.
What is a balloon payment?
A large portion of principal deferred until maturity. Example: 30-year amortization, 10-year term, balloon at year 10. Refinance or sell to cover.
Should I choose balloon or straight amortization?
Balloon: lower payment, more refinance risk. Straight: higher payment, no refinance risk. Choose based on cash flow and holding timeline.
What rate should I assume for commercial loans?
Current market rates (5–8% typical). Add 0.5–2% premium for investment property vs owner-occupied.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
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Break down your monthly P&I, taxes, insurance, and see the full amortization schedule.
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