Amortization Schedule
Build a full payment-by-payment amortization schedule for a fixed-rate loan, including principal/interest split, optional extra payments, yearly rollups, and remaining balance.
Estimates only — not financial advice.
1Input Details
€
%
€
First 12 payments
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 1.610,46 € | 360,46 € | 1.250,00 € | 299.639,54 € |
| 2 | 1.610,46 € | 361,97 € | 1.248,50 € | 299.277,57 € |
| 3 | 1.610,46 € | 363,48 € | 1.246,99 € | 298.914,09 € |
| 4 | 1.610,46 € | 364,99 € | 1.245,48 € | 298.549,10 € |
| 5 | 1.610,46 € | 366,51 € | 1.243,95 € | 298.182,59 € |
| 6 | 1.610,46 € | 368,04 € | 1.242,43 € | 297.814,56 € |
| 7 | 1.610,46 € | 369,57 € | 1.240,89 € | 297.444,99 € |
| 8 | 1.610,46 € | 371,11 € | 1.239,35 € | 297.073,87 € |
| 9 | 1.610,46 € | 372,66 € | 1.237,81 € | 296.701,22 € |
| 10 | 1.610,46 € | 374,21 € | 1.236,26 € | 296.327,01 € |
| 11 | 1.610,46 € | 375,77 € | 1.234,70 € | 295.951,24 € |
| 12 | 1.610,46 € | 377,33 € | 1.233,13 € | 295.573,90 € |
| Final | 1.610,46 € | 1.603,78 € | 6,68 € | 0,00 € |
Remaining balance over time
Cumulative principal vs interest
PrincipalInterest
How it works
How to use
- Enter loan amount, rate, term, payments per year, and optional extra toward principal each period.
- Start with the first 12 payments, expand to all periods, or open the yearly summary for a high-level view.
- Use the balance chart and principal vs interest chart to see how front-loaded interest behaves.
How it works
The tool computes the required payment for a fully amortizing loan, then each period allocates interest = rate × remaining balance, principal = payment − interest (plus any extra principal). Remaining balance drops until zero.