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Access The Demo Portal

Loan Amortization Calculator

Debt & Financing

Use the Loan Amortization Calculator

Generate a payment schedule with principal, interest, extra payments, and remaining balance.

Policy-aware Accessible PDF and Excel
  • Printable debt schedule
  • Balance tracking
  • Extra payment analysis
Before you calculate

Enter the financed principal, nominal annual rate, term, payment frequency, first payment date, and any planned extra payment exactly as documented in the loan agreement.

What this calculator covers

Inputs you can model

  • Loan amount
  • Annual interest rate %
  • Loan term
  • Term unit
  • Payment frequency
  • First repayment date
  • Extra payment each period

Results you can review

  • Scheduled payment
  • Monthly equivalent
  • Payment frequency
  • Payments per year
  • Number of payments
  • Total interest paid
  • Total paid
  • Interest-only payment
  • IO total interest
  • IO total repaid with balloon
Method, policy basis, and limitations

How the estimate is built

The calculator converts the annual rate to the selected payment period and applies each scheduled payment to accrued interest and principal until the balance reaches zero.

Important limitation

This is a standard fixed-rate amortization estimate. Origination fees, irregular day counts, variable rates, insurance, taxes, payment holidays, and lender-specific rounding are excluded.

Your inputs

Enter the values you know. Required fields should be completed first, and optional fields can be left blank if they do not apply to your situation.

Preparing your input checklist Visible required fields are checked as you complete them.
Minimum: 0.00.
Minimum: 0.00.
Enter the numeric length, then choose whether that term is in days, weeks, months, or years. Minimum: 1.00.
Choose how often repayments are made each year.
Optional. Add repayment dates to the schedule.
This extra amount is added to every payment using the selected payment frequency. Minimum: 0.00.
Calculating and validating policy inputs...
Your decision view will appear here

Run the calculator to see the planning signal, key measures, reconciliation detail, and any schedules or stress scenarios returned for these inputs.

Your results

The top cards show the most important answers first. Detailed schedules, scenario tables, and supporting notes appear underneath for deeper review.

Planning estimate

This is a standard fixed-rate amortization estimate. Origination fees, irregular day counts, variable rates, insurance, taxes, payment holidays, and lender-specific rounding are excluded.