Amortization Schedule Calculator
Educational calculators — always consult a licensed professional before making financial decisions.
Your loan
What you borrow, not the home price: the price minus your down payment. On an existing loan, use the original balance from your mortgage note.
Copy it from your mortgage note or closing disclosure. It sets how much of each early payment goes to interest rather than principal.
The term you originally signed for. A longer term lowers the base payment and adds rows — and interest — to the schedule.
Standard US mortgage term. Lowest monthly payment but highest total interest cost.
360 scheduled monthly payments
Optional. Anything paid on top of the required payment goes straight to principal, so the schedule ends sooner. Leave at 0 to see the base schedule.
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.
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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.