Loan Amortization Schedule Calculator
Inspect every payment of your mortgage, auto loan, or personal loan. See how each payment divides between principal reduction and interest charges, and model how making extra payments can shave years off your loan.
How to Use Loan Amortization Schedule Calculator
Enter Loan Parameters
Input Loan Amount, Annual Interest Rate, and Loan Term in years or months.
Optional Extra Payment
Add a monthly, annual, or one-time lump sum principal payment.
Generate Schedule
View the full interactive table and download it as an Excel-compatible CSV.
About Loan Amortization Schedule Calculator
In amortized loans, payments are fixed, but the internal allocation changes over time. Early payments consist mostly of interest because the outstanding principal balance is highest. As principal declines, the interest portion drops and principal reduction accelerates.
Supported Formats
Key Features
- Full month-by-month schedule displaying Beginning Balance, Principal, Interest, Extra Payment, and Ending Balance
- Annual summary roll-up table for easy multi-year review
- Calculates total lifetime interest paid and total cost of loan
- Extra payments simulator showing time and interest saved
- One-click export to CSV spreadsheet
Frequently Asked Questions
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