ðə mˈeɪdʒɚ vˈɛɹɪəbəlz ɪn ɐ mˈɔːɹɡɪdʒ kˌælkjʊlˈeɪʃən ɪŋklˈuːd lˈoʊn pɹˈɪnsɪpəl, bˈæləns, pˌiəɹɪˈɑːdɪk kˈɑːmpaʊnd ˈɪntɹɛst ɹˈeɪt, nˈʌmbɚɹ ʌv pˈeɪmənts pɜː jˈɪɹ, tˈoʊɾəl nˈʌmbɚɹ ʌv pˈeɪmənts ænd ðə ɹˈɛɡjʊlɚ pˈeɪmənt ɐmˈaʊnt.
The major variables in a mortgage calculation include loan principal, balance, periodic compound interest rate, number of payments per year, total number of payments and the regular payment amount.