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Amortization schedule

Month-by-month principal, interest and balance, with extra payments and your exact payoff date. No account needed.

Your numbers

Answer each Yes/No question, then fill in the amounts that appear. Use 0 only when an amount is truly zero. Want to see how it works first? Load example numbers below.

Is this a fixed-rate loan with the same payment every month?

Works for a mortgage, car, personal or business loan. Not for adjustable-rate, interest-only or balloon loans, or a line of credit.

YesNo

How much are you borrowing? (dollars)

The loan amount: the price minus your down payment. For example, 300,000 for a $375,000 home with $75,000 down.

What is the interest rate? (percent)

The yearly rate on your loan offer or statement, not the APR. For example, 6.5.

How many years is the loan?A shorter loan has a higher payment but costs far less interest.

In which month is your first payment?Usually the second month after closing: close in October, first payment December 1. We use it to date every payment and the payoff.

In which year is your first payment?Pick a past year to see where a loan you already have stands.

Do you plan to pay extra toward the loan?

Even a small extra amount cuts years and interest. Answer No to see the regular schedule.

YesNo

Your answer shows up here.

Answer the questions, then press Calculate.
Or load example numbers to see how it works.

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Assumptions, sources & limitations

Planning estimates only. Not a tax return, filing, payment, lending quote or personalized advice. Results depend on complete and accurate inputs. No guarantee of savings or penalty protection. Tax figures checked October 31, 2026; changes and special rules may apply. This initial release needs firm validation before client reliance.