Generate full amortization schedule with P&I breakdown
For borrowers understanding loan payoff: full amortization schedule showing principal and interest split for every payment over loan life.
Amortization Calculator
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Create Free AccountWhat it does
The Amortization Calculator generates a complete payment-by-payment amortization schedule showing the principal and interest split on every monthly payment across the entire loan life. See how interest dominates early payments and principal gradually takes over as the loan approaches maturity.
Your amortization schedule reveals the true cost of your mortgage — most borrowers are shocked to see how much interest they pay on a 30-year loan. By visualizing the split between principal and interest on every payment, you understand why paying extra principal early provides exponential savings.
Who it's for
- Borrowers understanding payment composition and visualizing extra principal payment impact
- Accounting professionals tracking principal vs. interest deductions for tax reporting
- Financial advisors explaining loan mechanics and motivating borrowers to extra payments
- Loan servicers providing clear amortization schedules to borrowers
How it works
Enter loan details
Loan amount, interest rate, term in years or months.
Generate schedule
Calculator creates full payment-by-payment breakdown.
Review principal and interest
Notice how early payments are mostly interest; later payments are mostly principal.
Why it matters
See exactly how much principal versus interest you pay each month
Understand when principal payments accelerate (end of loan)
Model early payoff: how extra payments reduce interest
Export schedule for tax records and financial planning
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Frequently asked questions
Why is early payment mostly interest?
Interest is calculated on remaining balance. Early on, balance is high; so interest is high and principal is low.
Can I use this schedule for tax purposes?
Yes — mortgage interest is tax-deductible. Schedule shows exact interest paid each year.
How does prepayment show in the schedule?
Extra principal payments skip months or years forward in the amortization. Each extra dollar reduces future interest.
Should I refinance if rates drop significantly?
Run payoff timeline: if payback period on refi costs is short and rate improvement is large, refinance.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
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