Amortization calculator 📅

The complete month-by-month schedule — payment, principal, interest, balance — with yearly summaries. Printable. Free, no signup.

Monthly payment
Total interest
Total paid

Amortization — FAQ

The crossover point

Watch the schedule for the month principal first exceeds interest — on a 30-year loan at ~6.5% that's roughly two-thirds of the way in. Extra principal payments pull it dramatically earlier.