Amortization Calculator – Payment Schedule, Table, Chart & Loan Breakdown

Use this amortization calculator to estimate your loan payment, generate a full amortization schedule, review an amortization table, explore an amortization chart, and see how extra payments can reduce total interest and shorten your payoff date.

You can test standard repayment, extra monthly payments, annual extra payments, and one-time lump-sum payments. The schedule updates instantly without reloading the page.

Amortization Schedule Amortization Table Amortization Chart Early Payoff Estimator Extra Payment Analysis

Calculate Your Loan Amortization

Enter your loan details below. The results, table, chart, and payoff timeline update automatically.

Advanced options
Fees are treated as financed balance. Extra monthly payments are spread across the selected payment frequency. Annual extra payments are applied once per year. Lump-sum payments are applied on the first payment date on or after the chosen date.
Results are estimates for planning and educational use. Actual lender payment schedules can differ due to rounding, compounding conventions, fees, escrow handling, and contract-specific terms.
Periodic payment — Per payment
Total principal — Loan amount plus financed fees
Total interest — Interest paid over the full repayment period
Total amount paid — Principal + interest + any financed fees
Payoff date — Estimated final payment date
Interest savings — Savings versus the same loan without extra payments
Payments saved — Reduction in the number of payments due to extras
New payoff with extras — If no extra payments are used, this matches the standard payoff date

Amortization Schedule & Table

Review every payment in the amortization schedule below. Switch between a detailed payment-by-payment table and a year-by-year amortization summary.

Enter your loan details to generate the amortization schedule.

Amortization Chart

These charts show how your balance declines over time, how principal and interest change during repayment, and how much of your total cost is principal versus interest.

Loan balance over time

See how the remaining balance falls throughout the loan term.

Principal vs interest by year

Compare yearly principal reduction with yearly interest paid.

Total principal vs total interest

Quick visual breakdown of the total loan cost.

Cumulative interest paid by year

Track how interest accumulates over the repayment timeline.

Amortization Calendar & Payoff Timeline

This milestone view helps you see annual repayment progress, major balance reduction points, and your final payoff month and year.

Extra Payment & Early Payoff Comparison

Compare the base loan against your current scenario. This makes interest savings and time savings much easier to understand.

Important note This amortization calculator is designed for standard amortizing loans such as mortgages, auto loans, personal loans, and many business loans. Results are estimates. Always verify final payment schedules, lender conventions, and contract terms using your official loan documents.