Amortization Schedule Calculator

See how each loan payment splits between principal and interest. Export to CSV.

Monthly payment: $1,199.10

Total interest: $231,676.38

MonthPaymentPrincipalInterestBalance
1$1,199.10$199.10$1,000.00$199,800.90
2$1,199.10$200.10$999.00$199,600.80
3$1,199.10$201.10$998.00$199,399.71
4$1,199.10$202.10$997.00$199,197.60
5$1,199.10$203.11$995.99$198,994.49
6$1,199.10$204.13$994.97$198,790.36
7$1,199.10$205.15$993.95$198,585.21
8$1,199.10$206.17$992.93$198,379.04
9$1,199.10$207.21$991.90$198,171.83
10$1,199.10$208.24$990.86$197,963.59
11$1,199.10$209.28$989.82$197,754.31
12$1,199.10$210.33$988.77$197,543.98
13$1,199.10$211.38$987.72$197,332.60
14$1,199.10$212.44$986.66$197,120.16
15$1,199.10$213.50$985.60$196,906.66
16$1,199.10$214.57$984.53$196,692.09
17$1,199.10$215.64$983.46$196,476.45
18$1,199.10$216.72$982.38$196,259.73
19$1,199.10$217.80$981.30$196,041.93
20$1,199.10$218.89$980.21$195,823.04
21$1,199.10$219.99$979.12$195,603.05
22$1,199.10$221.09$978.02$195,381.96
23$1,199.10$222.19$976.91$195,159.77
24$1,199.10$223.30$975.80$194,936.47
25$1,199.10$224.42$974.68$194,712.05
26$1,199.10$225.54$973.56$194,486.51
27$1,199.10$226.67$972.43$194,259.84
28$1,199.10$227.80$971.30$194,032.04
29$1,199.10$228.94$970.16$193,803.10
30$1,199.10$230.09$969.02$193,573.01
31$1,199.10$231.24$967.87$193,341.78
32$1,199.10$232.39$966.71$193,109.39
33$1,199.10$233.55$965.55$192,875.83
34$1,199.10$234.72$964.38$192,641.11
35$1,199.10$235.90$963.21$192,405.22
36$1,199.10$237.07$962.03$192,168.14
37$1,199.10$238.26$960.84$191,929.88
38$1,199.10$239.45$959.65$191,690.43
39$1,199.10$240.65$958.45$191,449.78
40$1,199.10$241.85$957.25$191,207.93
41$1,199.10$243.06$956.04$190,964.87
42$1,199.10$244.28$954.82$190,720.59
43$1,199.10$245.50$953.60$190,475.09
44$1,199.10$246.73$952.38$190,228.37
45$1,199.10$247.96$951.14$189,980.41
46$1,199.10$249.20$949.90$189,731.21
47$1,199.10$250.45$948.66$189,480.76
48$1,199.10$251.70$947.40$189,229.06
49$1,199.10$252.96$946.15$188,976.11
50$1,199.10$254.22$944.88$188,721.89
51$1,199.10$255.49$943.61$188,466.40
52$1,199.10$256.77$942.33$188,209.63
53$1,199.10$258.05$941.05$187,951.57
54$1,199.10$259.34$939.76$187,692.23
55$1,199.10$260.64$938.46$187,431.59
56$1,199.10$261.94$937.16$187,169.65
57$1,199.10$263.25$935.85$186,906.40
58$1,199.10$264.57$934.53$186,641.83
59$1,199.10$265.89$933.21$186,375.94
60$1,199.10$267.22$931.88$186,108.71
61$1,199.10$268.56$930.54$185,840.16
62$1,199.10$269.90$929.20$185,570.26
63$1,199.10$271.25$927.85$185,299.01
64$1,199.10$272.61$926.50$185,026.40
65$1,199.10$273.97$925.13$184,752.43
66$1,199.10$275.34$923.76$184,477.09
67$1,199.10$276.72$922.39$184,200.38
68$1,199.10$278.10$921.00$183,922.28
69$1,199.10$279.49$919.61$183,642.79
70$1,199.10$280.89$918.21$183,361.90
71$1,199.10$282.29$916.81$183,079.61
72$1,199.10$283.70$915.40$182,795.91
73$1,199.10$285.12$913.98$182,510.78
74$1,199.10$286.55$912.55$182,224.24
75$1,199.10$287.98$911.12$181,936.26
76$1,199.10$289.42$909.68$181,646.84
77$1,199.10$290.87$908.23$181,355.97
78$1,199.10$292.32$906.78$181,063.65
79$1,199.10$293.78$905.32$180,769.87
80$1,199.10$295.25$903.85$180,474.62
81$1,199.10$296.73$902.37$180,177.89
82$1,199.10$298.21$900.89$179,879.68
83$1,199.10$299.70$899.40$179,579.97
84$1,199.10$301.20$897.90$179,278.77
85$1,199.10$302.71$896.39$178,976.06
86$1,199.10$304.22$894.88$178,671.84
87$1,199.10$305.74$893.36$178,366.10
88$1,199.10$307.27$891.83$178,058.83
89$1,199.10$308.81$890.29$177,750.02
90$1,199.10$310.35$888.75$177,439.67
91$1,199.10$311.90$887.20$177,127.77
92$1,199.10$313.46$885.64$176,814.31
93$1,199.10$315.03$884.07$176,499.28
94$1,199.10$316.60$882.50$176,182.67
95$1,199.10$318.19$880.91$175,864.49
96$1,199.10$319.78$879.32$175,544.71
97$1,199.10$321.38$877.72$175,223.33
98$1,199.10$322.98$876.12$174,900.35
99$1,199.10$324.60$874.50$174,575.75
100$1,199.10$326.22$872.88$174,249.52
101$1,199.10$327.85$871.25$173,921.67
102$1,199.10$329.49$869.61$173,592.18
103$1,199.10$331.14$867.96$173,261.04
104$1,199.10$332.80$866.31$172,928.24
105$1,199.10$334.46$864.64$172,593.78
106$1,199.10$336.13$862.97$172,257.65
107$1,199.10$337.81$861.29$171,919.84
108$1,199.10$339.50$859.60$171,580.34
109$1,199.10$341.20$857.90$171,239.14
110$1,199.10$342.91$856.20$170,896.23
111$1,199.10$344.62$854.48$170,551.61
112$1,199.10$346.34$852.76$170,205.27
113$1,199.10$348.07$851.03$169,857.19
114$1,199.10$349.82$849.29$169,507.38
115$1,199.10$351.56$847.54$169,155.81
116$1,199.10$353.32$845.78$168,802.49
117$1,199.10$355.09$844.01$168,447.40
118$1,199.10$356.86$842.24$168,090.54
119$1,199.10$358.65$840.45$167,731.89
120$1,199.10$360.44$838.66$167,371.45
121$1,199.10$362.24$836.86$167,009.21
122$1,199.10$364.06$835.05$166,645.15
123$1,199.10$365.88$833.23$166,279.28
124$1,199.10$367.70$831.40$165,911.57
125$1,199.10$369.54$829.56$165,542.03
126$1,199.10$371.39$827.71$165,170.64
127$1,199.10$373.25$825.85$164,797.39
128$1,199.10$375.11$823.99$164,422.28
129$1,199.10$376.99$822.11$164,045.29
130$1,199.10$378.87$820.23$163,666.41
131$1,199.10$380.77$818.33$163,285.64
132$1,199.10$382.67$816.43$162,902.97
133$1,199.10$384.59$814.51$162,518.38
134$1,199.10$386.51$812.59$162,131.87
135$1,199.10$388.44$810.66$161,743.43
136$1,199.10$390.38$808.72$161,353.05
137$1,199.10$392.34$806.77$160,960.71
138$1,199.10$394.30$804.80$160,566.41
139$1,199.10$396.27$802.83$160,170.15
140$1,199.10$398.25$800.85$159,771.90
141$1,199.10$400.24$798.86$159,371.65
142$1,199.10$402.24$796.86$158,969.41
143$1,199.10$404.25$794.85$158,565.16
144$1,199.10$406.28$792.83$158,158.88
145$1,199.10$408.31$790.79$157,750.58
146$1,199.10$410.35$788.75$157,340.23
147$1,199.10$412.40$786.70$156,927.83
148$1,199.10$414.46$784.64$156,513.37
149$1,199.10$416.53$782.57$156,096.83
150$1,199.10$418.62$780.48$155,678.21
151$1,199.10$420.71$778.39$155,257.50
152$1,199.10$422.81$776.29$154,834.69
153$1,199.10$424.93$774.17$154,409.76
154$1,199.10$427.05$772.05$153,982.71
155$1,199.10$429.19$769.91$153,553.52
156$1,199.10$431.33$767.77$153,122.19
157$1,199.10$433.49$765.61$152,688.70
158$1,199.10$435.66$763.44$152,253.04
159$1,199.10$437.84$761.27$151,815.21
160$1,199.10$440.03$759.08$151,375.18
161$1,199.10$442.23$756.88$150,932.96
162$1,199.10$444.44$754.66$150,488.52
163$1,199.10$446.66$752.44$150,041.86
164$1,199.10$448.89$750.21$149,592.97
165$1,199.10$451.14$747.96$149,141.83
166$1,199.10$453.39$745.71$148,688.44
167$1,199.10$455.66$743.44$148,232.78
168$1,199.10$457.94$741.16$147,774.85
169$1,199.10$460.23$738.87$147,314.62
170$1,199.10$462.53$736.57$146,852.09
171$1,199.10$464.84$734.26$146,387.25
172$1,199.10$467.16$731.94$145,920.09
173$1,199.10$469.50$729.60$145,450.58
174$1,199.10$471.85$727.25$144,978.74
175$1,199.10$474.21$724.89$144,504.53
176$1,199.10$476.58$722.52$144,027.95
177$1,199.10$478.96$720.14$143,548.99
178$1,199.10$481.36$717.74$143,067.63
179$1,199.10$483.76$715.34$142,583.87
180$1,199.10$486.18$712.92$142,097.69
181$1,199.10$488.61$710.49$141,609.08
182$1,199.10$491.06$708.05$141,118.02
183$1,199.10$493.51$705.59$140,624.51
184$1,199.10$495.98$703.12$140,128.53
185$1,199.10$498.46$700.64$139,630.07
186$1,199.10$500.95$698.15$139,129.12
187$1,199.10$503.46$695.65$138,625.67
188$1,199.10$505.97$693.13$138,119.69
189$1,199.10$508.50$690.60$137,611.19
190$1,199.10$511.05$688.06$137,100.15
191$1,199.10$513.60$685.50$136,586.55
192$1,199.10$516.17$682.93$136,070.38
193$1,199.10$518.75$680.35$135,551.63
194$1,199.10$521.34$677.76$135,030.29
195$1,199.10$523.95$675.15$134,506.34
196$1,199.10$526.57$672.53$133,979.77
197$1,199.10$529.20$669.90$133,450.56
198$1,199.10$531.85$667.25$132,918.72
199$1,199.10$534.51$664.59$132,384.21
200$1,199.10$537.18$661.92$131,847.03
201$1,199.10$539.87$659.24$131,307.16
202$1,199.10$542.57$656.54$130,764.60
203$1,199.10$545.28$653.82$130,219.32
204$1,199.10$548.00$651.10$129,671.31
205$1,199.10$550.74$648.36$129,120.57
206$1,199.10$553.50$645.60$128,567.07
207$1,199.10$556.27$642.84$128,010.81
208$1,199.10$559.05$640.05$127,451.76
209$1,199.10$561.84$637.26$126,889.92
210$1,199.10$564.65$634.45$126,325.27
211$1,199.10$567.47$631.63$125,757.79
212$1,199.10$570.31$628.79$125,187.48
213$1,199.10$573.16$625.94$124,614.32
214$1,199.10$576.03$623.07$124,038.29
215$1,199.10$578.91$620.19$123,459.38
216$1,199.10$581.80$617.30$122,877.57
217$1,199.10$584.71$614.39$122,292.86
218$1,199.10$587.64$611.46$121,705.22
219$1,199.10$590.57$608.53$121,114.65
220$1,199.10$593.53$605.57$120,521.12
221$1,199.10$596.50$602.61$119,924.62
222$1,199.10$599.48$599.62$119,325.15
223$1,199.10$602.48$596.63$118,722.67
224$1,199.10$605.49$593.61$118,117.18
225$1,199.10$608.52$590.59$117,508.67
226$1,199.10$611.56$587.54$116,897.11
227$1,199.10$614.62$584.49$116,282.49
228$1,199.10$617.69$581.41$115,664.81
229$1,199.10$620.78$578.32$115,044.03
230$1,199.10$623.88$575.22$114,420.15
231$1,199.10$627.00$572.10$113,793.15
232$1,199.10$630.14$568.97$113,163.01
233$1,199.10$633.29$565.82$112,529.73
234$1,199.10$636.45$562.65$111,893.27
235$1,199.10$639.63$559.47$111,253.64
236$1,199.10$642.83$556.27$110,610.81
237$1,199.10$646.05$553.05$109,964.76
238$1,199.10$649.28$549.82$109,315.48
239$1,199.10$652.52$546.58$108,662.96
240$1,199.10$655.79$543.31$108,007.17
241$1,199.10$659.07$540.04$107,348.11
242$1,199.10$662.36$536.74$106,685.75
243$1,199.10$665.67$533.43$106,020.07
244$1,199.10$669.00$530.10$105,351.07
245$1,199.10$672.35$526.76$104,678.73
246$1,199.10$675.71$523.39$104,003.02
247$1,199.10$679.09$520.02$103,323.93
248$1,199.10$682.48$516.62$102,641.45
249$1,199.10$685.89$513.21$101,955.56
250$1,199.10$689.32$509.78$101,266.24
251$1,199.10$692.77$506.33$100,573.47
252$1,199.10$696.23$502.87$99,877.23
253$1,199.10$699.71$499.39$99,177.52
254$1,199.10$703.21$495.89$98,474.30
255$1,199.10$706.73$492.37$97,767.57
256$1,199.10$710.26$488.84$97,057.31
257$1,199.10$713.81$485.29$96,343.50
258$1,199.10$717.38$481.72$95,626.11
259$1,199.10$720.97$478.13$94,905.14
260$1,199.10$724.58$474.53$94,180.57
261$1,199.10$728.20$470.90$93,452.37
262$1,199.10$731.84$467.26$92,720.53
263$1,199.10$735.50$463.60$91,985.03
264$1,199.10$739.18$459.93$91,245.86
265$1,199.10$742.87$456.23$90,502.98
266$1,199.10$746.59$452.51$89,756.40
267$1,199.10$750.32$448.78$89,006.08
268$1,199.10$754.07$445.03$88,252.01
269$1,199.10$757.84$441.26$87,494.17
270$1,199.10$761.63$437.47$86,732.54
271$1,199.10$765.44$433.66$85,967.10
272$1,199.10$769.27$429.84$85,197.83
273$1,199.10$773.11$425.99$84,424.72
274$1,199.10$776.98$422.12$83,647.74
275$1,199.10$780.86$418.24$82,866.88
276$1,199.10$784.77$414.33$82,082.12
277$1,199.10$788.69$410.41$81,293.42
278$1,199.10$792.63$406.47$80,500.79
279$1,199.10$796.60$402.50$79,704.19
280$1,199.10$800.58$398.52$78,903.61
281$1,199.10$804.58$394.52$78,099.03
282$1,199.10$808.61$390.50$77,290.42
283$1,199.10$812.65$386.45$76,477.78
284$1,199.10$816.71$382.39$75,661.06
285$1,199.10$820.80$378.31$74,840.27
286$1,199.10$824.90$374.20$74,015.37
287$1,199.10$829.02$370.08$73,186.34
288$1,199.10$833.17$365.93$72,353.17
289$1,199.10$837.34$361.77$71,515.84
290$1,199.10$841.52$357.58$70,674.32
291$1,199.10$845.73$353.37$69,828.59
292$1,199.10$849.96$349.14$68,978.63
293$1,199.10$854.21$344.89$68,124.42
294$1,199.10$858.48$340.62$67,265.94
295$1,199.10$862.77$336.33$66,403.17
296$1,199.10$867.09$332.02$65,536.09
297$1,199.10$871.42$327.68$64,664.67
298$1,199.10$875.78$323.32$63,788.89
299$1,199.10$880.16$318.94$62,908.73
300$1,199.10$884.56$314.54$62,024.17
301$1,199.10$888.98$310.12$61,135.19
302$1,199.10$893.43$305.68$60,241.77
303$1,199.10$897.89$301.21$59,343.88
304$1,199.10$902.38$296.72$58,441.50
305$1,199.10$906.89$292.21$57,534.60
306$1,199.10$911.43$287.67$56,623.17
307$1,199.10$915.99$283.12$55,707.19
308$1,199.10$920.57$278.54$54,786.62
309$1,199.10$925.17$273.93$53,861.46
310$1,199.10$929.79$269.31$52,931.66
311$1,199.10$934.44$264.66$51,997.22
312$1,199.10$939.11$259.99$51,058.10
313$1,199.10$943.81$255.29$50,114.29
314$1,199.10$948.53$250.57$49,165.76
315$1,199.10$953.27$245.83$48,212.49
316$1,199.10$958.04$241.06$47,254.45
317$1,199.10$962.83$236.27$46,291.62
318$1,199.10$967.64$231.46$45,323.98
319$1,199.10$972.48$226.62$44,351.50
320$1,199.10$977.34$221.76$43,374.16
321$1,199.10$982.23$216.87$42,391.93
322$1,199.10$987.14$211.96$41,404.78
323$1,199.10$992.08$207.02$40,412.71
324$1,199.10$997.04$202.06$39,415.67
325$1,199.10$1,002.02$197.08$38,413.65
326$1,199.10$1,007.03$192.07$37,406.61
327$1,199.10$1,012.07$187.03$36,394.55
328$1,199.10$1,017.13$181.97$35,377.42
329$1,199.10$1,022.21$176.89$34,355.20
330$1,199.10$1,027.33$171.78$33,327.88
331$1,199.10$1,032.46$166.64$32,295.42
332$1,199.10$1,037.62$161.48$31,257.79
333$1,199.10$1,042.81$156.29$30,214.98
334$1,199.10$1,048.03$151.07$29,166.96
335$1,199.10$1,053.27$145.83$28,113.69
336$1,199.10$1,058.53$140.57$27,055.16
337$1,199.10$1,063.83$135.28$25,991.33
338$1,199.10$1,069.14$129.96$24,922.19
339$1,199.10$1,074.49$124.61$23,847.70
340$1,199.10$1,079.86$119.24$22,767.83
341$1,199.10$1,085.26$113.84$21,682.57
342$1,199.10$1,090.69$108.41$20,591.88
343$1,199.10$1,096.14$102.96$19,495.74
344$1,199.10$1,101.62$97.48$18,394.12
345$1,199.10$1,107.13$91.97$17,286.99
346$1,199.10$1,112.67$86.43$16,174.32
347$1,199.10$1,118.23$80.87$15,056.09
348$1,199.10$1,123.82$75.28$13,932.27
349$1,199.10$1,129.44$69.66$12,802.83
350$1,199.10$1,135.09$64.01$11,667.75
351$1,199.10$1,140.76$58.34$10,526.98
352$1,199.10$1,146.47$52.63$9,380.52
353$1,199.10$1,152.20$46.90$8,228.32
354$1,199.10$1,157.96$41.14$7,070.36
355$1,199.10$1,163.75$35.35$5,906.61
356$1,199.10$1,169.57$29.53$4,737.04
357$1,199.10$1,175.42$23.69$3,561.63
358$1,199.10$1,181.29$17.81$2,380.33
359$1,199.10$1,187.20$11.90$1,193.14
360$1,199.10$1,193.14$5.97$0.00

How It Works

Each row shows one payment. Interest = remaining balance × monthly rate. Principal = payment − interest. Early payments are mostly interest; later payments are mostly principal.

Examples

See first 12 months of a mortgage

$200k mortgage - notice interest vs principal shift

$200,000 @ 6% for 360 months

Short-term loan schedule

2-year loan full schedule

$5,000 @ 8% for 24 months

Use Export CSV for records.

Frequently Asked Questions

What is an amortization schedule?
An amortization schedule is a table showing each payment, how much goes to principal vs interest, and the remaining balance. Early payments are mostly interest; later payments are mostly principal.
Why does interest decrease over time?
Interest is calculated on the remaining balance. As you pay down principal, the balance shrinks, so the interest portion of each payment decreases.
Can I export the schedule?
Yes. Use the Export CSV button to download the full schedule for use in spreadsheets or record-keeping.

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