Loan Amortization Schedule
See the full month-by-month principal, interest, and balance breakdown for any loan.
How to Use the Amortization Schedule
- Enter the loan amount, interest rate, and term.
- The full month-by-month schedule appears instantly.
- Download it as a CSV to open in a spreadsheet.
Frequently Asked Questions
Why does the interest portion of my payment shrink over time?
Interest is calculated each month on the remaining balance, so as you pay down principal, there's less balance left to charge interest on — while your total monthly payment stays fixed, more of it goes toward principal each month.
How is the fixed monthly payment calculated?
It uses the standard amortization formula that guarantees the loan balance reaches exactly zero after the final scheduled payment, given the loan amount, interest rate, and term.
Does this include property taxes, insurance, or fees?
No — this is a pure principal-and-interest schedule based only on the loan amount, rate, and term you enter. A real mortgage payment often includes additional escrow amounts for taxes and insurance on top of this.
Is my financial information sent anywhere?
No — every calculation happens entirely in your browser using JavaScript, so nothing you enter is ever sent to a server.