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Amortization schedule calculator
A full loan payment schedule: how much of each payment is principal and interest, and what extra payments save you.
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- Works on any device
About Amortization schedule calculator
Builds a full loan schedule showing how each payment splits between interest and principal, and what extra payments save. Early payments are mostly interest because interest is charged on the remaining balance. Adding even a small extra amount each month shortens the loan noticeably.
How to use Amortization schedule calculator
- Enter your numbers above.
- The result updates instantly as you type.
- Change any value to compare different cases.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Available in 10 languages.
Also known as
Frequently asked questions
Why is most of my early payment interest?
Interest is calculated on the outstanding balance, which is highest at the start. As the balance falls, a larger part of the same payment goes to principal.
Is Amortization schedule calculator free?
Yes. Amortization schedule calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.