Amortization Schedule Calculator

Generate a complete payment-by-payment schedule for a loan.

PRINCIPAL & INTEREST - FULL SCHEDULE - RUNS ON YOUR DEVICE

Your financial data stays on your device

  • Loanamount
  • Int.rate
  • Termin years
  • Privateby design
Specification

Amortization Schedule at a glance

Input formats
Loan amount, rate, term, frequency
Output formats
Printable amortization table
Maximum file size
Device memory
Batch
One schedule at a time
Quality control
Standard fixed-rate loan formula
Metadata handling
No data stored
Price
Free
Account required
No
How to

How to use Amortization Schedule

  1. 1

    Enter Loan Details

    Enter loan amount, rate, and term.

  2. 2

    Set Payment Frequency

    Select payment frequency.

  3. 3

    Generate the Schedule

    Generate the payment schedule.

Questions

Frequently asked questions

Is it safe to enter my loan details here?

Yes. All calculations are performed by JavaScript running in your web browser. Your financial information, including the loan amount and interest rate, is never sent to our servers and is permanently deleted when you close or refresh the page.

What does 'amortization' mean?

Amortization is paying off a debt over time with fixed, regular payments. The schedule shows how each payment is split between principal and interest, leading to a zero balance at the end of the loan term.

Can I see the effect of making extra payments?

This calculator generates a standard amortization schedule based on the original loan terms. It does not currently include features to model the impact of making additional or larger payments on the loan's duration and total interest paid.

Why is so much of my early payment going to interest?

This is standard for most loans. At the start, your principal balance is highest, so the interest charged is also at its peak. As you pay down the principal, the interest portion of each payment gets smaller.

Can I save or export the schedule?

Yes. After generating the schedule, use your browser's print function (usually Ctrl+P or Cmd+P). This lets you print a physical copy or save the schedule as a PDF file for your records.

Background

Principal vs. Interest

Provide your loan amount, annual interest rate, and term to create a detailed table. The schedule shows how each payment is split between principal and interest.

  • An amortization schedule clearly shows how your payments are allocated. In the beginning, a large portion of your payment covers the interest on the loan.
  • As you pay down the principal balance, the interest charged each period decreases. This means more of each subsequent payment goes towards the principal.

Full specification

Specification of the Amortization Schedule tool
Input formatsLoan amount, annual interest rate, loan term (years/months), payment frequency
Output formatsA printable HTML table showing the full amortization schedule
Maximum file sizeLimited only by your device memory
BatchNo, generates one schedule for one loan at a time.
Quality controlCalculations use the standard formula for a fixed-rate, fixed-term loan.
Metadata handlingNo file metadata is processed; entered loan data remains in the current browser session.
PriceFree
Account requiredNo
Next step

Keep going with the same files

All finance tools: Finance tools on SPOTTOOLS