Amortization Schedule Calculator
Runs in your browser — your data is never uploaded.
Build a payment-by-payment breakdown of any loan — how much of each payment goes to interest, how much to principal, and what is left owing — then download the whole thing as a spreadsheet or PDF. Add an extra monthly payment and it shows exactly what that buys you: on a 30-year mortgage, an extra $200 a month typically removes around seven years and six figures of interest.
How to use Amortization Schedule
- 1
Enter the loan amount, interest rate and term in months.
- 2
Optionally add an extra monthly payment to see what it saves.
- 3
Download the full schedule as Excel to sort and chart it, or as PDF to print.
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Frequently asked questions
What does an amortization schedule show?+
Every payment across the life of the loan, split into interest and principal, with the remaining balance after each one. Early payments are almost entirely interest — on a 30-year mortgage the first payment is roughly 86% interest — and the balance shifts slowly toward principal over the term.
How much does paying extra actually save?+
More than most people expect, because every extra dollar comes off the principal and stops accruing interest for the whole remaining term. The calculator measures the saving by running the loan twice, with and without the extra, rather than estimating it.
Why do the totals differ slightly from payment times term?+
Because interest is charged on a balance rounded to the cent each month, so the rounding compounds, and because the final payment is adjusted to clear the balance exactly. The difference is a few dollars over a 30-year loan — the schedule here sums the real rows rather than using the shortcut.
Can I open the export in Google Sheets?+
Yes. The download is a standard .xlsx file with the money columns stored as numbers rather than text, so it sorts, charts and calculates in Excel, Google Sheets, Numbers and LibreOffice alike.