Amortization Schedule Calculator
Educational calculators — always consult a licensed professional before making financial decisions.
Home price minus your down payment.
Found on your mortgage note or closing documents.
Choose the original term of your mortgage.
Standard US mortgage term. Lowest monthly payment but highest total interest cost.
Enter 0 if none. Even $100/mo extra saves thousands in interest.
Monthly Payment
$2,076
Base payment — principal + interest
Loan Summary
Principal vs. Interest Over Time
Year-by-Year Summary
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $3,410 | $21,496 | $316,590 |
| 2 | $3,648 | $21,258 | $312,942 |
| 3 | $3,902 | $21,004 | $309,040 |
| 4 | $4,174 | $20,733 | $304,866 |
| 5 | $4,464 | $20,442 | $300,402 |
| 6 | $4,775 | $20,131 | $295,627 |
| 7 | $5,107 | $19,799 | $290,520 |
| 8 | $5,463 | $19,443 | $285,057 |
| 9 | $5,843 | $19,063 | $279,213 |
| 10 | $6,250 | $18,656 | $272,963 |
| 11 | $6,685 | $18,221 | $266,278 |
| 12 | $7,151 | $17,755 | $259,127 |
| 13 | $7,649 | $17,257 | $251,478 |
| 14 | $8,181 | $16,725 | $243,296 |
| 15 | $8,751 | $16,155 | $234,545 |
| 16 | $9,360 | $15,546 | $225,185 |
| 17 | $10,012 | $14,894 | $215,173 |
| 18 | $10,709 | $14,197 | $204,463 |
| 19 | $11,455 | $13,451 | $193,008 |
| 20 | $12,253 | $12,654 | $180,756 |
| 21 | $13,106 | $11,800 | $167,650 |
| 22 | $14,018 | $10,888 | $153,632 |
| 23 | $14,994 | $9,912 | $138,638 |
| 24 | $16,038 | $8,868 | $122,600 |
| 25 | $17,155 | $7,751 | $105,445 |
| 26 | $18,349 | $6,557 | $87,095 |
| 27 | $19,627 | $5,279 | $67,468 |
| 28 | $20,994 | $3,912 | $46,474 |
| 29 | $22,455 | $2,451 | $24,019 |
| 30 | $24,019 | $887 | $0 |
Estimates for educational purposes only. Actual payoff may vary. Consult a licensed mortgage professional.
Your Saved Scenarios
No saved scenarios yet
Read next
15 vs 30-Year Mortgage
Both loans side by side at this week's Freddie Mac averages (6.58% and 5.96%) for three loan sizes — payment, total interest, and principal paid by years 5 and 10, with the amortization math shown — plus the invest-the-difference argument treated fairly.
Is Refinancing Worth It?
Closing costs divided by monthly saving is the whole decision. The formula worked with July 2026 rates, the rate drop you need to break even in 2/3/5 years, the term reset that raises your total interest at a lower rate, and what forecasters actually expect.
Amortization Schedule Calculator is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.