About Crossover

Why this exists

Every amortized loan hides the same fact in plain sight: early on, almost none of your payment touches the balance. It's nearly all interest. There's a specific month where that flips — where more of your payment finally starts building equity than paying the bank. Lenders don't put that month on your statement. Crossover calculates it from the same math they use, and shows it to you directly.

How it works

Enter a loan amount, rate, and term, and Crossover runs a full amortization schedule — the same payment-by-payment breakdown a bank uses internally — entirely in your browser. The chart plots your principal and interest for every payment across the life of the loan, and marks the exact month they cross.

What it's for

Comparing loan offers, deciding whether an extra monthly payment is worth it, or just understanding where your money actually goes before you sign something. It's a calculator, not advice — for a real loan, the numbers your lender gives you are the ones that count.

Questions about how the math works? Check the FAQ or get in touch.