{
  "id": "mortgage-calculator",
  "slug": "mortgage-calculator",
  "title": "Mortgage & Loan Calculator",
  "description": "Calculate monthly mortgage or loan payments and visualize the full amortization schedule.",
  "category": "calculators",
  "tags": ["mortgage", "loan", "amortization", "interest", "finance", "payment"],
  "icon": "calculator",
  "needsBackend": false,
  "relatedModules": ["unit-converter"],
  "seoIntro": "A mortgage payment is calculated using the standard amortization formula based on the principal, the annual interest rate and the loan term. Each payment covers part interest and part principal — the split shifts as the balance shrinks.\n\nThis calculator computes the monthly payment, the total interest paid, and the full amortization schedule entirely in your browser.",
  "seoFaq": [
    { "q": "Which formula is used?", "a": "The standard amortization formula: M = P · r(1+r)^n / ((1+r)^n - 1), where r is the monthly rate and n the number of payments." },
    { "q": "Does it support extra payments?", "a": "Not yet — extra payments and bi-weekly schedules are on the roadmap." },
    { "q": "Is the calculation accurate?", "a": "It uses the exact mathematical formula but real-world mortgages may include taxes, insurance and fees. Treat the result as a baseline." }
  ]
}