Amortization Schedule: Complete Loan Repayment Breakdown
Our Amortization Schedule Calculator generates a full month-by-month loan repayment table showing EMI, principal, interest, and remaining balance. Add extra payments, export to CSV, and visualize payoff timeline.
What is an Amortization Schedule?
An amortization schedule is a table detailing each periodic payment on a loan over time. Each payment is split into:
- Principal: Amount reducing the loan balance
- Interest: Cost of borrowing
- Balance: Remaining loan amount
Early payments are mostly interest; later ones mostly principal.
How It Works
- Enter loan amount, rate, tenure
- Calculator computes fixed EMI
- Generates table: Month → EMI → Principal → Interest → Balance
- Add extra payments to see faster payoff
Extra Payments Impact
- $100 extra/month on $200K, 30-yr, 4% → saves ~$48K interest, 8 years
- Shortens tenure, reduces total interest
- Applies directly to principal
Yearly Summary
Toggle to see annual totals:
- Total paid per year
- Interest vs principal split
- Balance at year-end
Export & Print
Download CSV for Excel or print directly. Share with lenders or accountants.
Mortgage Example
$300,000 loan, 4.5%, 30 years:
- EMI: $1,520
- Total interest: $247,220
- With $200 extra/month → payoff in ~24 years
Benefits
- Visualize debt reduction
- Plan prepayments
- Compare loan offers
- Budget accurately
Pair with Other Tools
Use with EMI Calculator or Early Payoff Savings.
Conclusion
Master your loan with our Amortization Schedule Calculator. See every payment, save with extras, plan payoff. Explore more in Finance Calculators.