Amortization Calculator

Generate a payment schedule, see how principal vs interest changes over time, and estimate payoff with extra payments.

No login. No fluff. Shareable results and an exportable schedule.

Loan amount $

Loan term

A 30-year loan term equals 360 monthly payments. Select months if you already know the total number of payments.

Interest rate % APR

Loan start date

We assume the first payment is due the month after your start date. Example: start Feb 2026 → first payment Mar 2026.

Number of payments

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Monthly payment

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Total interest paid

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Total cost of loan

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Payoff date

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As of —

Principal paid

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Interest paid

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Loan balance

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The chart shows total principal paid, total interest paid, and remaining balance over time. Hover to see values at any point.

This table lists how much principal and interest are paid in each scheduled payment. Expand a year to see the monthly breakdown.

First payment

Last payment

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Expand all years

Date	Principal	Interest	Remaining balance
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Enter your loan details to generate the amortization summary and schedule.

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This total is global for all users (desktop and mobile) using this calculator on calculatorgeek.com.