Money & Finance · Free tool
Amortization Calculator
Full amortization schedule for any fixed-rate loan. Principal vs interest split per payment, total interest, CSV export.
Monthly payment
$1,896.20
Total paid
$682,633.47
Total interest
$382,633.47
Amortization schedule (year-end)
| Month | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $271.20 | $1,625.00 | $299,728.80 |
| 12 | $287.81 | $1,608.40 | $296,646.82 |
| 24 | $307.08 | $1,589.12 | $293,069.08 |
| 36 | $327.65 | $1,568.55 | $289,251.73 |
| 48 | $349.59 | $1,546.61 | $285,178.72 |
| 60 | $373.01 | $1,523.20 | $280,832.93 |
| 72 | $397.99 | $1,498.22 | $276,196.10 |
| 84 | $424.64 | $1,471.56 | $271,248.73 |
| 96 | $453.08 | $1,443.13 | $265,970.03 |
| 108 | $483.42 | $1,412.78 | $260,337.81 |
| 120 | $515.80 | $1,380.41 | $254,328.38 |
| 132 | $550.34 | $1,345.86 | $247,916.49 |
| 144 | $587.20 | $1,309.00 | $241,075.18 |
| 156 | $626.53 | $1,269.68 | $233,775.70 |
| 168 | $668.48 | $1,227.72 | $225,987.36 |
| 180 | $713.25 | $1,182.95 | $217,677.42 |
| 192 | $761.02 | $1,135.18 | $208,810.95 |
| 204 | $811.99 | $1,084.21 | $199,350.68 |
| 216 | $866.37 | $1,029.83 | $189,256.83 |
| 228 | $924.39 | $971.81 | $178,486.98 |
| 240 | $986.30 | $909.90 | $166,995.85 |
| 252 | $1,052.36 | $843.85 | $154,735.14 |
| 264 | $1,122.83 | $773.37 | $141,653.30 |
| 276 | $1,198.03 | $698.17 | $127,695.36 |
| 288 | $1,278.27 | $617.94 | $112,802.62 |
| 300 | $1,363.87 | $532.33 | $96,912.49 |
| 312 | $1,455.21 | $440.99 | $79,958.16 |
| 324 | $1,552.67 | $343.53 | $61,868.38 |
| 336 | $1,656.66 | $239.55 | $42,567.08 |
| 348 | $1,767.61 | $128.60 | $21,973.15 |
| 360 | $1,885.99 | $10.22 | $0.00 |
Standard fixed-rate amortization formula. Doesn’t include taxes, insurance, PMI, or HOA — see our mortgage calculator for the all-in monthly figure.
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What it does
Full month-by-month amortization schedule for any fixed-rate loan: the principal vs interest split per payment, declining balance, total paid, total interest. Year-end view by default; toggle to see every month. Export to CSV.
Use this when you want to know how much principal you’ve actually paid down by year 5, or to compare two loans on total interest paid. For monthly payment with taxes/insurance/PMI, see our mortgage calculator.
Embed this tool on your siteShow snippetHide
Paste this snippet into any page. Loads on-demand (lazy), no tracking scripts, and sized to most dashboards. Replace the height to fit your layout.
<iframe src="https://freetoolarena.com/embed/amortization-calculator" width="100%" height="720" frameborder="0" loading="lazy" title="Amortization Calculator" style="border:1px solid #e2e8f0;border-radius:12px;max-width:720px;"></iframe>How to use it
- Enter loan amount, interest rate, and term.
- Read monthly payment, total paid, total interest.
- Toggle 'show all months' for the full schedule.
- Click 'Download CSV' to export.
Frequently asked questions
- Why is so much of early payment going to interest?
- On a fixed-rate loan, each payment is the same total, but interest is charged on the remaining balance. Year 1 of a 30-year mortgage typically pays ~30% principal, 70% interest. By year 25, that flips to mostly principal. The CSV export makes this visible month-by-month.
- Does this include PMI / taxes / insurance?
- No — pure principal + interest amortization. For all-in monthly payment with property tax, homeowners insurance, PMI, and HOA, use our mortgage calculator.
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