Amortization Schedule Calculator
See how each year of a loan splits between principal and interest, with the remaining balance.
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- Enter the loan amount, rate and term.
- See the monthly payment.
- Read the yearly table to watch principal grow and interest shrink.
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FAQ
What is an amortization schedule?
It shows how each payment is split between interest and principal over the life of a loan, and the remaining balance.
Why is early interest so high?
Interest is charged on the outstanding balance, which is largest at the start, so early payments are mostly interest.
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