Amortization Schedule Calculator
See the full payment-by-payment breakdown for a fixed-rate loan: principal, interest, and remaining balance for every payment.
Calculated locally. Estimate only — not a loan offer, and actual numbers from your lender may differ slightly due to rounding or fees.
Common questions
How is this different from Loan Calculator or Mortgage Calculator?
Loan Calculator and Mortgage Calculator show your monthly payment and totals. This tool shows the same numbers, plus the full payment-by-payment breakdown — how much of every single payment goes to principal versus interest, and the remaining balance after each one.
Why might my real loan statement show slightly different numbers?
Every payment here is rounded to the cent, the same way a real amortization schedule is. Small differences of a cent or two can appear compared to your lender's statement depending on their exact rounding method, and this tool doesn't include taxes, insurance, or lender fees — only principal and interest.
Is this a loan offer or financial advice?
No — this is an estimate based on the numbers you enter, for informational purposes only. It isn't a loan offer, pre-approval, or financial advice, and actual terms from a lender will depend on your specific loan agreement.
Why does the last payment sometimes look slightly different from the others?
The final payment is adjusted to pay off the exact remaining balance, so the loan ends at exactly $0 instead of a few cents short or over — a normal part of how real amortization schedules work.