Universal Converter Pro

Amortization Schedule Calculator

Generate a detailed, printable amortization schedule for your loan. See how much of each payment goes toward principal and interest month by month.

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How to Use the Amortization Calculator

  1. Loan Amount: Enter the total principal amount of the loan.
  2. Annual Interest Rate: Input the yearly interest rate.
  3. Loan Term: Enter the full term of the loan in years.
  4. Generate Schedule: Click the button to see a detailed month-by-month breakdown of each payment.

Frequently Asked Questions (FAQ)

What does the amortization schedule show me?

The schedule shows exactly how each of your monthly payments is applied. You can see the specific amount that goes towards paying down your principal balance versus the amount that is paid in interest. Watch how the interest portion shrinks and the principal portion grows over time!

Can I make extra payments?

This calculator generates a standard amortization schedule. Making extra payments directly towards the principal is one of the most effective ways to pay off your loan faster and save a significant amount on total interest. Our calculator does not model extra payments, but your loan provider can give you details on how to do so.

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