Mortgage Amortization Calculator
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Generate a mortgage amortization schedule with principal and interest breakdown.
- On your device
- No signup
Private on your device
Your information stays on your device and is not uploaded.
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This loan amortization table calculator works for mortgages and other fixed-rate installment loans. See payment number, interest portion, principal portion, and remaining balance for every period.
Fixed-rate amortization math differs from interest-only or ARM loans—match product type to inputs.
How to use this tool
Enter principal, annual rate, and term. Review the amortization table and total interest paid over life of loan.
Worked example
Example: $25,000 personal loan at 9% over 5 years—table shows total interest and final payment date.
When to use this
- Personal or auto loan planning.
- Teaching amortization concepts.
- Verifying lender statements.
Common mistakes
- Using monthly rate incorrectly (divide annual by 12).
- Mixing biweekly payments without adjusting schedule.
- Applying table to balloon loans.
Related long-tail tasks
- car loan amortization table
- compare two loan schedules
- remaining balance after 60 payments
How it works
Builds a full amortization schedule from loan amount, annual interest rate, and term. Shows monthly payment plus principal and interest split for each period.
Limitations
Schedule assumes fixed rate and on-time payments. Extra principal, escrow changes, and ARM adjustments are not modeled.
Privacy and file handling
Your data stays on your device and is not uploaded.
Formula or method
Monthly payment uses standard fixed-rate amortization; each period applies interest to the remaining balance and allocates the remainder to principal.
Important notice
Results are estimates for educational purposes and are not financial advice. Actual lender schedules may differ slightly. Consult a qualified financial professional for personal guidance.
Related Mortgage Amortization Calculator guides
These pages use the same mortgage amortization calculator with guides tailored to specific search intents.
FAQ
Frequently asked questions
Mortgage only?
Works for any fixed-rate installment loan with equal payments.
Biweekly payments?
Standard table assumes monthly payments; biweekly needs a dedicated model.
Rounding differences?
Pennies may differ from lender rounding on final payment.
Related pages
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- Mortgage Amortization Calculator — Generate a mortgage amortization schedule with principal and interest breakdown.
- Mortgage Calculator — Calculate mortgage payments, interest, and totals.
- Extra Payment Calculator — See how extra monthly payments reduce loan interest and payoff time.
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