The Amortization Schedule Generator builds the complete month-by-month payoff of a loan: each payment split into interest and principal, with the running balance. Add extra payments to watch total interest fall and the payoff date move earlier. Export the full table for your records.
Amortization Schedule Generator
Generate a full month-by-month amortization schedule: payment, principal, interest and remaining balance, with total interest and payoff date. Add extra payments to see the impact.
Loan terms
Summary
Amortization schedule
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About Amortization Schedule Generator
Features
- Full schedule: Every payment, principal, interest, balance.
- Totals: Total interest, total paid, payoff date.
- Extra payments: See interest saved and time cut.
- Scrollable table: 360 rows for a 30-year loan.
- Export: CSV / JSON with all rows.
How to Use
- Loan: Amount, rate, term, start date.
- Extra: Optional extra principal per month.
- Generate: The schedule appears live.
- Export.
Examples
Example 1 — 30-year. $300k at 6%: 360 rows, large early interest.
Example 2 — Extra $100. Interest falls and payoff pulls forward.
Example 3 — 15-year. Far less total interest, steeper payments.
Example 4 — Start date. Sets the calendar payoff month.
Example 5 — Balance view. Watch the curve bend as principal overtakes interest.
Benefits
- See the curve: Understand when you build equity.
- Quantify extra: Prove the value of extra payments.
- Record keeping: Export the full schedule.
- Private: No account, no upload, nothing stored.
Frequently Asked Questions
What is an amortization schedule?
A row-by-row list of every payment showing how much goes to interest, how much to principal, and the remaining balance.
Why does interest fall over time?
Each payment reduces the balance, so the interest portion (rate × balance) shrinks while principal grows.
How do extra payments change it?
Extra principal lowers the balance sooner, cutting later interest and shortening the loan.
What is the payoff date?
The month the balance reaches zero; extra payments pull it earlier.
Is the schedule exact?
It is a standard reducing-balance model; actual loans may differ on rounding or timing.
Can I export it?
Yes — CSV and JSON include every row for spreadsheets.
Is my data stored?
No. All calculation runs in your browser; nothing is uploaded, saved or logged.
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