Amortization Schedule
Loan payment table with a balance curve
About this calculator
The Amortization Schedule Calculator builds the complete payment table for a fixed-rate loan using the level-payment formula, with the term in years or months. Every row shows the payment split between principal and interest and the remaining balance, rounded to the cent, with the final payment adjusted to land exactly on zero. It also reports the totals paid, the principal/interest crossover period, and a down-sampled balance curve. Zero-rate loans and terms up to 100 years are supported.
How to use the Amortization Schedule calculator
- Enter your amounts, rates and terms into the input fields.
- Read the result — it updates instantly as you type.
- Adjust the inputs to compare scenarios side by side.
- Copy the page URL to share the exact calculation.
Common examples
- $300,000 at 6.5% for 30 years → $1,896.20/mo, 360 payments, $382,636.71 total interest
- $25,000 car loan at 4.9% for 60 months → $470.64/mo, $3,238.19 interest
- $200,000 at 5% for 15 years → $1,581.59/mo; principal overtakes interest from payment 28
Frequently asked questions
How does the Amortization Schedule calculator work?
Enter your amounts, rates and terms, and the calculator applies the standard financial formulas to show the outcome, including intermediate figures where they help you understand the result. All arithmetic runs at high precision, so rounding errors do not build up across periods.
When would I use the Amortization Schedule calculator?
Use it when planning a purchase, loan, investment or budget, to compare options before committing, or to sanity-check figures quoted to you. It is an educational tool, not financial advice — confirm important decisions with your provider or a professional.
How accurate are the results?
The formulas are the standard ones used in finance and run at 30 significant digits internally. Real products may differ in fees, compounding conventions and rounding rules, so treat the result as a close estimate rather than a contractual figure.
Can I share a specific calculation with someone else?
Yes. Every value you enter updates the URL, so copying the address bar and sharing the link reopens the exact same calculation for whoever clicks it.