Calculator Tools
Amortization Schedule Generator
Generate a full month-by-month loan amortization schedule with extra principal, lump sum, and bi-weekly comparison. CSV export.
Amortization schedule generator
Common loans
Pick a preset to seed realistic numbers, or type your own values below. The schedule, totals, bi-weekly comparison, and copy buttons update live.
Loan terms
APR compounded monthly. Use 0 for an interest-free loan.
Extra payments (optional)
Applied after the regular payment, reducing principal directly.
Month number from origination. For example, 12 means the first anniversary; 60 means month 60.
Monthly payment
$1,896.20
Standard fixed monthly payment that pays the loan off in 30 years.
- Loan amount
- $300,000.00
- Annual rate
- 6.5%
- Term
- 30 years (360 months)
Baseline totals
If you pay the regular monthly payment and no extras.
- Total payments
- $682,633.47
- Total interest
- $382,633.47
- Payoff time
- 30 years
With your extras
Add an extra monthly or lump-sum payment above to see savings.
- Total payments
- $682,633.47
- Total interest
- $382,633.47
- Payoff time
- 30 years
- Interest saved
- $0.00
Versus the baseline schedule above.
- Time saved
- 0 months
Bi-weekly comparison
Paying half the monthly payment every two weeks gives 26 bi-weekly payments per year, the equivalent of 13 monthly payments. We model this as adding one twelfth of the monthly payment to each month.
Bi-weekly plan
- Bi-weekly payment
- $948.10
Half of the monthly payment.
- Effective extra
- $158.02 / month
One twelfth of the monthly payment, contributed monthly.
- Total interest
- $295,377.18
- Payoff time
- 24 years 2 months
Versus baseline
- Interest saved
- $87,256.29
- Time saved
- 5 years 10 months
Not all lenders apply bi-weekly payments to principal in real time; some hold them and apply once a month. Confirm with your servicer before relying on these savings.
Schedule
| Month | Payment | Interest | Principal | Extra | Balance |
|---|---|---|---|---|---|
| 1 | $1,896.20 | $1,625.00 | $271.20 | $299,728.80 | |
| 2 | $1,896.20 | $1,623.53 | $272.67 | $299,456.12 | |
| 3 | $1,896.20 | $1,622.05 | $274.15 | $299,181.97 | |
| 4 | $1,896.20 | $1,620.57 | $275.64 | $298,906.34 | |
| 5 | $1,896.20 | $1,619.08 | $277.13 | $298,629.21 | |
| 6 | $1,896.20 | $1,617.57 | $278.63 | $298,350.58 | |
| 7 | $1,896.20 | $1,616.07 | $280.14 | $298,070.44 | |
| 8 | $1,896.20 | $1,614.55 | $281.66 | $297,788.79 | |
| 9 | $1,896.20 | $1,613.02 | $283.18 | $297,505.60 | |
| 10 | $1,896.20 | $1,611.49 | $284.72 | $297,220.89 | |
| 11 | $1,896.20 | $1,609.95 | $286.26 | $296,934.63 | |
| 12 | $1,896.20 | $1,608.40 | $287.81 | $296,646.82 | |
| 13 | $1,896.20 | $1,606.84 | $289.37 | $296,357.46 | |
| 14 | $1,896.20 | $1,605.27 | $290.93 | $296,066.52 | |
| 15 | $1,896.20 | $1,603.69 | $292.51 | $295,774.01 | |
| 16 | $1,896.20 | $1,602.11 | $294.09 | $295,479.92 | |
| 17 | $1,896.20 | $1,600.52 | $295.69 | $295,184.23 | |
| 18 | $1,896.20 | $1,598.91 | $297.29 | $294,886.94 | |
| 19 | $1,896.20 | $1,597.30 | $298.90 | $294,588.04 | |
| 20 | $1,896.20 | $1,595.69 | $300.52 | $294,287.52 | |
| 21 | $1,896.20 | $1,594.06 | $302.15 | $293,985.37 | |
| 22 | $1,896.20 | $1,592.42 | $303.78 | $293,681.59 | |
| 23 | $1,896.20 | $1,590.78 | $305.43 | $293,376.16 | |
| 24 | $1,896.20 | $1,589.12 | $307.08 | $293,069.08 | |
| 25 | $1,896.20 | $1,587.46 | $308.75 | $292,760.33 | |
| 26 | $1,896.20 | $1,585.79 | $310.42 | $292,449.91 | |
| 27 | $1,896.20 | $1,584.10 | $312.10 | $292,137.81 | |
| 28 | $1,896.20 | $1,582.41 | $313.79 | $291,824.02 | |
| 29 | $1,896.20 | $1,580.71 | $315.49 | $291,508.53 | |
| 30 | $1,896.20 | $1,579.00 | $317.20 | $291,191.33 | |
| 31 | $1,896.20 | $1,577.29 | $318.92 | $290,872.41 | |
| 32 | $1,896.20 | $1,575.56 | $320.65 | $290,551.77 | |
| 33 | $1,896.20 | $1,573.82 | $322.38 | $290,229.39 | |
| 34 | $1,896.20 | $1,572.08 | $324.13 | $289,905.26 | |
| 35 | $1,896.20 | $1,570.32 | $325.88 | $289,579.37 | |
| 36 | $1,896.20 | $1,568.55 | $327.65 | $289,251.73 | |
| 37 | $1,896.20 | $1,566.78 | $329.42 | $288,922.30 | |
| 38 | $1,896.20 | $1,565.00 | $331.21 | $288,591.09 | |
| 39 | $1,896.20 | $1,563.20 | $333.00 | $288,258.09 | |
| 40 | $1,896.20 | $1,561.40 | $334.81 | $287,923.29 | |
| 41 | $1,896.20 | $1,559.58 | $336.62 | $287,586.67 | |
| 42 | $1,896.20 | $1,557.76 | $338.44 | $287,248.22 | |
| 43 | $1,896.20 | $1,555.93 | $340.28 | $286,907.95 | |
| 44 | $1,896.20 | $1,554.08 | $342.12 | $286,565.83 | |
| 45 | $1,896.20 | $1,552.23 | $343.97 | $286,221.85 | |
| 46 | $1,896.20 | $1,550.37 | $345.84 | $285,876.02 | |
| 47 | $1,896.20 | $1,548.50 | $347.71 | $285,528.31 | |
| 48 | $1,896.20 | $1,546.61 | $349.59 | $285,178.72 | |
| 49 | $1,896.20 | $1,544.72 | $351.49 | $284,827.23 | |
| 50 | $1,896.20 | $1,542.81 | $353.39 | $284,473.84 | |
| 51 | $1,896.20 | $1,540.90 | $355.30 | $284,118.54 | |
| 52 | $1,896.20 | $1,538.98 | $357.23 | $283,761.31 | |
| 53 | $1,896.20 | $1,537.04 | $359.16 | $283,402.15 | |
| 54 | $1,896.20 | $1,535.09 | $361.11 | $283,041.04 | |
| 55 | $1,896.20 | $1,533.14 | $363.07 | $282,677.97 | |
| 56 | $1,896.20 | $1,531.17 | $365.03 | $282,312.94 | |
| 57 | $1,896.20 | $1,529.20 | $367.01 | $281,945.93 | |
| 58 | $1,896.20 | $1,527.21 | $369.00 | $281,576.93 | |
| 59 | $1,896.20 | $1,525.21 | $371.00 | $281,205.94 | |
| 60 | $1,896.20 | $1,523.20 | $373.01 | $280,832.93 | |
| 61 | $1,896.20 | $1,521.18 | $375.03 | $280,457.91 | |
| 62 | $1,896.20 | $1,519.15 | $377.06 | $280,080.85 | |
| 63 | $1,896.20 | $1,517.10 | $379.10 | $279,701.75 | |
| 64 | $1,896.20 | $1,515.05 | $381.15 | $279,320.60 | |
| 65 | $1,896.20 | $1,512.99 | $383.22 | $278,937.38 | |
| 66 | $1,896.20 | $1,510.91 | $385.29 | $278,552.09 | |
| 67 | $1,896.20 | $1,508.82 | $387.38 | $278,164.71 | |
| 68 | $1,896.20 | $1,506.73 | $389.48 | $277,775.23 | |
| 69 | $1,896.20 | $1,504.62 | $391.59 | $277,383.64 | |
| 70 | $1,896.20 | $1,502.49 | $393.71 | $276,989.93 | |
| 71 | $1,896.20 | $1,500.36 | $395.84 | $276,594.09 | |
| 72 | $1,896.20 | $1,498.22 | $397.99 | $276,196.10 | |
| 73 | $1,896.20 | $1,496.06 | $400.14 | $275,795.96 | |
| 74 | $1,896.20 | $1,493.89 | $402.31 | $275,393.65 | |
| 75 | $1,896.20 | $1,491.72 | $404.49 | $274,989.16 | |
| 76 | $1,896.20 | $1,489.52 | $406.68 | $274,582.48 | |
| 77 | $1,896.20 | $1,487.32 | $408.88 | $274,173.60 | |
| 78 | $1,896.20 | $1,485.11 | $411.10 | $273,762.50 | |
| 79 | $1,896.20 | $1,482.88 | $413.32 | $273,349.18 | |
| 80 | $1,896.20 | $1,480.64 | $415.56 | $272,933.62 | |
| 81 | $1,896.20 | $1,478.39 | $417.81 | $272,515.80 | |
| 82 | $1,896.20 | $1,476.13 | $420.08 | $272,095.73 | |
| 83 | $1,896.20 | $1,473.85 | $422.35 | $271,673.37 | |
| 84 | $1,896.20 | $1,471.56 | $424.64 | $271,248.73 | |
| 85 | $1,896.20 | $1,469.26 | $426.94 | $270,821.79 | |
| 86 | $1,896.20 | $1,466.95 | $429.25 | $270,392.54 | |
| 87 | $1,896.20 | $1,464.63 | $431.58 | $269,960.96 | |
| 88 | $1,896.20 | $1,462.29 | $433.92 | $269,527.05 | |
| 89 | $1,896.20 | $1,459.94 | $436.27 | $269,090.78 | |
| 90 | $1,896.20 | $1,457.58 | $438.63 | $268,652.15 | |
| 91 | $1,896.20 | $1,455.20 | $441.00 | $268,211.15 | |
| 92 | $1,896.20 | $1,452.81 | $443.39 | $267,767.75 | |
| 93 | $1,896.20 | $1,450.41 | $445.80 | $267,321.96 | |
| 94 | $1,896.20 | $1,447.99 | $448.21 | $266,873.75 | |
| 95 | $1,896.20 | $1,445.57 | $450.64 | $266,423.11 | |
| 96 | $1,896.20 | $1,443.13 | $453.08 | $265,970.03 | |
| 97 | $1,896.20 | $1,440.67 | $455.53 | $265,514.50 | |
| 98 | $1,896.20 | $1,438.20 | $458.00 | $265,056.50 | |
| 99 | $1,896.20 | $1,435.72 | $460.48 | $264,596.02 | |
| 100 | $1,896.20 | $1,433.23 | $462.98 | $264,133.04 | |
| 101 | $1,896.20 | $1,430.72 | $465.48 | $263,667.56 | |
| 102 | $1,896.20 | $1,428.20 | $468.00 | $263,199.55 | |
| 103 | $1,896.20 | $1,425.66 | $470.54 | $262,729.01 | |
| 104 | $1,896.20 | $1,423.12 | $473.09 | $262,255.93 | |
| 105 | $1,896.20 | $1,420.55 | $475.65 | $261,780.27 | |
| 106 | $1,896.20 | $1,417.98 | $478.23 | $261,302.05 | |
| 107 | $1,896.20 | $1,415.39 | $480.82 | $260,821.23 | |
| 108 | $1,896.20 | $1,412.78 | $483.42 | $260,337.81 | |
| 109 | $1,896.20 | $1,410.16 | $486.04 | $259,851.77 | |
| 110 | $1,896.20 | $1,407.53 | $488.67 | $259,363.09 | |
| 111 | $1,896.20 | $1,404.88 | $491.32 | $258,871.77 | |
| 112 | $1,896.20 | $1,402.22 | $493.98 | $258,377.79 | |
| 113 | $1,896.20 | $1,399.55 | $496.66 | $257,881.13 | |
| 114 | $1,896.20 | $1,396.86 | $499.35 | $257,381.78 | |
| 115 | $1,896.20 | $1,394.15 | $502.05 | $256,879.73 | |
| 116 | $1,896.20 | $1,391.43 | $504.77 | $256,374.96 | |
| 117 | $1,896.20 | $1,388.70 | $507.51 | $255,867.45 | |
| 118 | $1,896.20 | $1,385.95 | $510.26 | $255,357.20 | |
| 119 | $1,896.20 | $1,383.18 | $513.02 | $254,844.18 | |
| 120 | $1,896.20 | $1,380.41 | $515.80 | $254,328.38 | |
| 121 | $1,896.20 | $1,377.61 | $518.59 | $253,809.79 | |
| 122 | $1,896.20 | $1,374.80 | $521.40 | $253,288.39 | |
| 123 | $1,896.20 | $1,371.98 | $524.23 | $252,764.16 | |
| 124 | $1,896.20 | $1,369.14 | $527.06 | $252,237.10 | |
| 125 | $1,896.20 | $1,366.28 | $529.92 | $251,707.18 | |
| 126 | $1,896.20 | $1,363.41 | $532.79 | $251,174.39 | |
| 127 | $1,896.20 | $1,360.53 | $535.68 | $250,638.71 | |
| 128 | $1,896.20 | $1,357.63 | $538.58 | $250,100.13 | |
| 129 | $1,896.20 | $1,354.71 | $541.50 | $249,558.64 | |
| 130 | $1,896.20 | $1,351.78 | $544.43 | $249,014.21 | |
| 131 | $1,896.20 | $1,348.83 | $547.38 | $248,466.83 | |
| 132 | $1,896.20 | $1,345.86 | $550.34 | $247,916.49 | |
| 133 | $1,896.20 | $1,342.88 | $553.32 | $247,363.17 | |
| 134 | $1,896.20 | $1,339.88 | $556.32 | $246,806.85 | |
| 135 | $1,896.20 | $1,336.87 | $559.33 | $246,247.51 | |
| 136 | $1,896.20 | $1,333.84 | $562.36 | $245,685.15 | |
| 137 | $1,896.20 | $1,330.79 | $565.41 | $245,119.74 | |
| 138 | $1,896.20 | $1,327.73 | $568.47 | $244,551.27 | |
| 139 | $1,896.20 | $1,324.65 | $571.55 | $243,979.72 | |
| 140 | $1,896.20 | $1,321.56 | $574.65 | $243,405.07 | |
| 141 | $1,896.20 | $1,318.44 | $577.76 | $242,827.31 | |
| 142 | $1,896.20 | $1,315.31 | $580.89 | $242,246.42 | |
| 143 | $1,896.20 | $1,312.17 | $584.04 | $241,662.38 | |
| 144 | $1,896.20 | $1,309.00 | $587.20 | $241,075.18 | |
| 145 | $1,896.20 | $1,305.82 | $590.38 | $240,484.80 | |
| 146 | $1,896.20 | $1,302.63 | $593.58 | $239,891.23 | |
| 147 | $1,896.20 | $1,299.41 | $596.79 | $239,294.43 | |
| 148 | $1,896.20 | $1,296.18 | $600.03 | $238,694.41 | |
| 149 | $1,896.20 | $1,292.93 | $603.28 | $238,091.13 | |
| 150 | $1,896.20 | $1,289.66 | $606.54 | $237,484.59 | |
| 151 | $1,896.20 | $1,286.37 | $609.83 | $236,874.76 | |
| 152 | $1,896.20 | $1,283.07 | $613.13 | $236,261.63 | |
| 153 | $1,896.20 | $1,279.75 | $616.45 | $235,645.17 | |
| 154 | $1,896.20 | $1,276.41 | $619.79 | $235,025.38 | |
| 155 | $1,896.20 | $1,273.05 | $623.15 | $234,402.23 | |
| 156 | $1,896.20 | $1,269.68 | $626.53 | $233,775.70 | |
| 157 | $1,896.20 | $1,266.29 | $629.92 | $233,145.78 | |
| 158 | $1,896.20 | $1,262.87 | $633.33 | $232,512.45 | |
| 159 | $1,896.20 | $1,259.44 | $636.76 | $231,875.69 | |
| 160 | $1,896.20 | $1,255.99 | $640.21 | $231,235.48 | |
| 161 | $1,896.20 | $1,252.53 | $643.68 | $230,591.80 | |
| 162 | $1,896.20 | $1,249.04 | $647.17 | $229,944.64 | |
| 163 | $1,896.20 | $1,245.53 | $650.67 | $229,293.97 | |
| 164 | $1,896.20 | $1,242.01 | $654.20 | $228,639.77 | |
| 165 | $1,896.20 | $1,238.47 | $657.74 | $227,982.03 | |
| 166 | $1,896.20 | $1,234.90 | $661.30 | $227,320.73 | |
| 167 | $1,896.20 | $1,231.32 | $664.88 | $226,655.85 | |
| 168 | $1,896.20 | $1,227.72 | $668.48 | $225,987.36 | |
| 169 | $1,896.20 | $1,224.10 | $672.11 | $225,315.26 | |
| 170 | $1,896.20 | $1,220.46 | $675.75 | $224,639.51 | |
| 171 | $1,896.20 | $1,216.80 | $679.41 | $223,960.10 | |
| 172 | $1,896.20 | $1,213.12 | $683.09 | $223,277.02 | |
| 173 | $1,896.20 | $1,209.42 | $686.79 | $222,590.23 | |
| 174 | $1,896.20 | $1,205.70 | $690.51 | $221,899.72 | |
| 175 | $1,896.20 | $1,201.96 | $694.25 | $221,205.48 | |
| 176 | $1,896.20 | $1,198.20 | $698.01 | $220,507.47 | |
| 177 | $1,896.20 | $1,194.42 | $701.79 | $219,805.68 | |
| 178 | $1,896.20 | $1,190.61 | $705.59 | $219,100.09 | |
| 179 | $1,896.20 | $1,186.79 | $709.41 | $218,390.68 | |
| 180 | $1,896.20 | $1,182.95 | $713.25 | $217,677.42 | |
| 181 | $1,896.20 | $1,179.09 | $717.12 | $216,960.31 | |
| 182 | $1,896.20 | $1,175.20 | $721.00 | $216,239.30 | |
| 183 | $1,896.20 | $1,171.30 | $724.91 | $215,514.40 | |
| 184 | $1,896.20 | $1,167.37 | $728.83 | $214,785.56 | |
| 185 | $1,896.20 | $1,163.42 | $732.78 | $214,052.78 | |
| 186 | $1,896.20 | $1,159.45 | $736.75 | $213,316.03 | |
| 187 | $1,896.20 | $1,155.46 | $740.74 | $212,575.28 | |
| 188 | $1,896.20 | $1,151.45 | $744.75 | $211,830.53 | |
| 189 | $1,896.20 | $1,147.42 | $748.79 | $211,081.74 | |
| 190 | $1,896.20 | $1,143.36 | $752.84 | $210,328.90 | |
| 191 | $1,896.20 | $1,139.28 | $756.92 | $209,571.97 | |
| 192 | $1,896.20 | $1,135.18 | $761.02 | $208,810.95 | |
| 193 | $1,896.20 | $1,131.06 | $765.14 | $208,045.81 | |
| 194 | $1,896.20 | $1,126.91 | $769.29 | $207,276.52 | |
| 195 | $1,896.20 | $1,122.75 | $773.46 | $206,503.06 | |
| 196 | $1,896.20 | $1,118.56 | $777.65 | $205,725.42 | |
| 197 | $1,896.20 | $1,114.35 | $781.86 | $204,943.56 | |
| 198 | $1,896.20 | $1,110.11 | $786.09 | $204,157.46 | |
| 199 | $1,896.20 | $1,105.85 | $790.35 | $203,367.11 | |
| 200 | $1,896.20 | $1,101.57 | $794.63 | $202,572.48 | |
| 201 | $1,896.20 | $1,097.27 | $798.94 | $201,773.54 | |
| 202 | $1,896.20 | $1,092.94 | $803.26 | $200,970.28 | |
| 203 | $1,896.20 | $1,088.59 | $807.62 | $200,162.67 | |
| 204 | $1,896.20 | $1,084.21 | $811.99 | $199,350.68 | |
| 205 | $1,896.20 | $1,079.82 | $816.39 | $198,534.29 | |
| 206 | $1,896.20 | $1,075.39 | $820.81 | $197,713.48 | |
| 207 | $1,896.20 | $1,070.95 | $825.26 | $196,888.22 | |
| 208 | $1,896.20 | $1,066.48 | $829.73 | $196,058.50 | |
| 209 | $1,896.20 | $1,061.98 | $834.22 | $195,224.28 | |
| 210 | $1,896.20 | $1,057.46 | $838.74 | $194,385.54 | |
| 211 | $1,896.20 | $1,052.92 | $843.28 | $193,542.25 | |
| 212 | $1,896.20 | $1,048.35 | $847.85 | $192,694.40 | |
| 213 | $1,896.20 | $1,043.76 | $852.44 | $191,841.96 | |
| 214 | $1,896.20 | $1,039.14 | $857.06 | $190,984.90 | |
| 215 | $1,896.20 | $1,034.50 | $861.70 | $190,123.20 | |
| 216 | $1,896.20 | $1,029.83 | $866.37 | $189,256.83 | |
| 217 | $1,896.20 | $1,025.14 | $871.06 | $188,385.77 | |
| 218 | $1,896.20 | $1,020.42 | $875.78 | $187,509.98 | |
| 219 | $1,896.20 | $1,015.68 | $880.52 | $186,629.46 | |
| 220 | $1,896.20 | $1,010.91 | $885.29 | $185,744.16 | |
| 221 | $1,896.20 | $1,006.11 | $890.09 | $184,854.07 | |
| 222 | $1,896.20 | $1,001.29 | $894.91 | $183,959.16 | |
| 223 | $1,896.20 | $996.45 | $899.76 | $183,059.40 | |
| 224 | $1,896.20 | $991.57 | $904.63 | $182,154.77 | |
| 225 | $1,896.20 | $986.67 | $909.53 | $181,245.24 | |
| 226 | $1,896.20 | $981.75 | $914.46 | $180,330.78 | |
| 227 | $1,896.20 | $976.79 | $919.41 | $179,411.37 | |
| 228 | $1,896.20 | $971.81 | $924.39 | $178,486.98 | |
| 229 | $1,896.20 | $966.80 | $929.40 | $177,557.58 | |
| 230 | $1,896.20 | $961.77 | $934.43 | $176,623.14 | |
| 231 | $1,896.20 | $956.71 | $939.50 | $175,683.65 | |
| 232 | $1,896.20 | $951.62 | $944.58 | $174,739.06 | |
| 233 | $1,896.20 | $946.50 | $949.70 | $173,789.36 | |
| 234 | $1,896.20 | $941.36 | $954.85 | $172,834.52 | |
| 235 | $1,896.20 | $936.19 | $960.02 | $171,874.50 | |
| 236 | $1,896.20 | $930.99 | $965.22 | $170,909.28 | |
| 237 | $1,896.20 | $925.76 | $970.45 | $169,938.84 | |
| 238 | $1,896.20 | $920.50 | $975.70 | $168,963.14 | |
| 239 | $1,896.20 | $915.22 | $980.99 | $167,982.15 | |
| 240 | $1,896.20 | $909.90 | $986.30 | $166,995.85 | |
| 241 | $1,896.20 | $904.56 | $991.64 | $166,004.20 | |
| 242 | $1,896.20 | $899.19 | $997.01 | $165,007.19 | |
| 243 | $1,896.20 | $893.79 | $1,002.42 | $164,004.77 | |
| 244 | $1,896.20 | $888.36 | $1,007.84 | $162,996.93 | |
| 245 | $1,896.20 | $882.90 | $1,013.30 | $161,983.63 | |
| 246 | $1,896.20 | $877.41 | $1,018.79 | $160,964.83 | |
| 247 | $1,896.20 | $871.89 | $1,024.31 | $159,940.52 | |
| 248 | $1,896.20 | $866.34 | $1,029.86 | $158,910.66 | |
| 249 | $1,896.20 | $860.77 | $1,035.44 | $157,875.22 | |
| 250 | $1,896.20 | $855.16 | $1,041.05 | $156,834.18 | |
| 251 | $1,896.20 | $849.52 | $1,046.69 | $155,787.49 | |
| 252 | $1,896.20 | $843.85 | $1,052.36 | $154,735.14 | |
| 253 | $1,896.20 | $838.15 | $1,058.06 | $153,677.08 | |
| 254 | $1,896.20 | $832.42 | $1,063.79 | $152,613.29 | |
| 255 | $1,896.20 | $826.66 | $1,069.55 | $151,543.75 | |
| 256 | $1,896.20 | $820.86 | $1,075.34 | $150,468.40 | |
| 257 | $1,896.20 | $815.04 | $1,081.17 | $149,387.24 | |
| 258 | $1,896.20 | $809.18 | $1,087.02 | $148,300.21 | |
| 259 | $1,896.20 | $803.29 | $1,092.91 | $147,207.30 | |
| 260 | $1,896.20 | $797.37 | $1,098.83 | $146,108.47 | |
| 261 | $1,896.20 | $791.42 | $1,104.78 | $145,003.69 | |
| 262 | $1,896.20 | $785.44 | $1,110.77 | $143,892.92 | |
| 263 | $1,896.20 | $779.42 | $1,116.78 | $142,776.14 | |
| 264 | $1,896.20 | $773.37 | $1,122.83 | $141,653.30 | |
| 265 | $1,896.20 | $767.29 | $1,128.92 | $140,524.39 | |
| 266 | $1,896.20 | $761.17 | $1,135.03 | $139,389.36 | |
| 267 | $1,896.20 | $755.03 | $1,141.18 | $138,248.18 | |
| 268 | $1,896.20 | $748.84 | $1,147.36 | $137,100.82 | |
| 269 | $1,896.20 | $742.63 | $1,153.57 | $135,947.25 | |
| 270 | $1,896.20 | $736.38 | $1,159.82 | $134,787.42 | |
| 271 | $1,896.20 | $730.10 | $1,166.11 | $133,621.32 | |
| 272 | $1,896.20 | $723.78 | $1,172.42 | $132,448.89 | |
| 273 | $1,896.20 | $717.43 | $1,178.77 | $131,270.12 | |
| 274 | $1,896.20 | $711.05 | $1,185.16 | $130,084.96 | |
| 275 | $1,896.20 | $704.63 | $1,191.58 | $128,893.39 | |
| 276 | $1,896.20 | $698.17 | $1,198.03 | $127,695.36 | |
| 277 | $1,896.20 | $691.68 | $1,204.52 | $126,490.83 | |
| 278 | $1,896.20 | $685.16 | $1,211.05 | $125,279.79 | |
| 279 | $1,896.20 | $678.60 | $1,217.61 | $124,062.18 | |
| 280 | $1,896.20 | $672.00 | $1,224.20 | $122,837.98 | |
| 281 | $1,896.20 | $665.37 | $1,230.83 | $121,607.15 | |
| 282 | $1,896.20 | $658.71 | $1,237.50 | $120,369.65 | |
| 283 | $1,896.20 | $652.00 | $1,244.20 | $119,125.45 | |
| 284 | $1,896.20 | $645.26 | $1,250.94 | $117,874.51 | |
| 285 | $1,896.20 | $638.49 | $1,257.72 | $116,616.79 | |
| 286 | $1,896.20 | $631.67 | $1,264.53 | $115,352.26 | |
| 287 | $1,896.20 | $624.82 | $1,271.38 | $114,080.88 | |
| 288 | $1,896.20 | $617.94 | $1,278.27 | $112,802.62 | |
| 289 | $1,896.20 | $611.01 | $1,285.19 | $111,517.43 | |
| 290 | $1,896.20 | $604.05 | $1,292.15 | $110,225.28 | |
| 291 | $1,896.20 | $597.05 | $1,299.15 | $108,926.13 | |
| 292 | $1,896.20 | $590.02 | $1,306.19 | $107,619.94 | |
| 293 | $1,896.20 | $582.94 | $1,313.26 | $106,306.68 | |
| 294 | $1,896.20 | $575.83 | $1,320.38 | $104,986.30 | |
| 295 | $1,896.20 | $568.68 | $1,327.53 | $103,658.77 | |
| 296 | $1,896.20 | $561.49 | $1,334.72 | $102,324.05 | |
| 297 | $1,896.20 | $554.26 | $1,341.95 | $100,982.10 | |
| 298 | $1,896.20 | $546.99 | $1,349.22 | $99,632.89 | |
| 299 | $1,896.20 | $539.68 | $1,356.53 | $98,276.36 | |
| 300 | $1,896.20 | $532.33 | $1,363.87 | $96,912.49 | |
| 301 | $1,896.20 | $524.94 | $1,371.26 | $95,541.22 | |
| 302 | $1,896.20 | $517.51 | $1,378.69 | $94,162.54 | |
| 303 | $1,896.20 | $510.05 | $1,386.16 | $92,776.38 | |
| 304 | $1,896.20 | $502.54 | $1,393.67 | $91,382.71 | |
| 305 | $1,896.20 | $494.99 | $1,401.21 | $89,981.50 | |
| 306 | $1,896.20 | $487.40 | $1,408.80 | $88,572.69 | |
| 307 | $1,896.20 | $479.77 | $1,416.44 | $87,156.26 | |
| 308 | $1,896.20 | $472.10 | $1,424.11 | $85,732.15 | |
| 309 | $1,896.20 | $464.38 | $1,431.82 | $84,300.33 | |
| 310 | $1,896.20 | $456.63 | $1,439.58 | $82,860.75 | |
| 311 | $1,896.20 | $448.83 | $1,447.37 | $81,413.38 | |
| 312 | $1,896.20 | $440.99 | $1,455.21 | $79,958.16 | |
| 313 | $1,896.20 | $433.11 | $1,463.10 | $78,495.07 | |
| 314 | $1,896.20 | $425.18 | $1,471.02 | $77,024.04 | |
| 315 | $1,896.20 | $417.21 | $1,478.99 | $75,545.05 | |
| 316 | $1,896.20 | $409.20 | $1,487.00 | $74,058.05 | |
| 317 | $1,896.20 | $401.15 | $1,495.06 | $72,562.99 | |
| 318 | $1,896.20 | $393.05 | $1,503.15 | $71,059.84 | |
| 319 | $1,896.20 | $384.91 | $1,511.30 | $69,548.54 | |
| 320 | $1,896.20 | $376.72 | $1,519.48 | $68,029.06 | |
| 321 | $1,896.20 | $368.49 | $1,527.71 | $66,501.35 | |
| 322 | $1,896.20 | $360.22 | $1,535.99 | $64,965.36 | |
| 323 | $1,896.20 | $351.90 | $1,544.31 | $63,421.05 | |
| 324 | $1,896.20 | $343.53 | $1,552.67 | $61,868.38 | |
| 325 | $1,896.20 | $335.12 | $1,561.08 | $60,307.29 | |
| 326 | $1,896.20 | $326.66 | $1,569.54 | $58,737.75 | |
| 327 | $1,896.20 | $318.16 | $1,578.04 | $57,159.71 | |
| 328 | $1,896.20 | $309.62 | $1,586.59 | $55,573.12 | |
| 329 | $1,896.20 | $301.02 | $1,595.18 | $53,977.94 | |
| 330 | $1,896.20 | $292.38 | $1,603.82 | $52,374.12 | |
| 331 | $1,896.20 | $283.69 | $1,612.51 | $50,761.61 | |
| 332 | $1,896.20 | $274.96 | $1,621.25 | $49,140.36 | |
| 333 | $1,896.20 | $266.18 | $1,630.03 | $47,510.33 | |
| 334 | $1,896.20 | $257.35 | $1,638.86 | $45,871.48 | |
| 335 | $1,896.20 | $248.47 | $1,647.73 | $44,223.74 | |
| 336 | $1,896.20 | $239.55 | $1,656.66 | $42,567.08 | |
| 337 | $1,896.20 | $230.57 | $1,665.63 | $40,901.45 | |
| 338 | $1,896.20 | $221.55 | $1,674.65 | $39,226.80 | |
| 339 | $1,896.20 | $212.48 | $1,683.73 | $37,543.07 | |
| 340 | $1,896.20 | $203.36 | $1,692.85 | $35,850.23 | |
| 341 | $1,896.20 | $194.19 | $1,702.02 | $34,148.21 | |
| 342 | $1,896.20 | $184.97 | $1,711.23 | $32,436.98 | |
| 343 | $1,896.20 | $175.70 | $1,720.50 | $30,716.47 | |
| 344 | $1,896.20 | $166.38 | $1,729.82 | $28,986.65 | |
| 345 | $1,896.20 | $157.01 | $1,739.19 | $27,247.46 | |
| 346 | $1,896.20 | $147.59 | $1,748.61 | $25,498.84 | |
| 347 | $1,896.20 | $138.12 | $1,758.09 | $23,740.76 | |
| 348 | $1,896.20 | $128.60 | $1,767.61 | $21,973.15 | |
| 349 | $1,896.20 | $119.02 | $1,777.18 | $20,195.97 | |
| 350 | $1,896.20 | $109.39 | $1,786.81 | $18,409.16 | |
| 351 | $1,896.20 | $99.72 | $1,796.49 | $16,612.67 | |
| 352 | $1,896.20 | $89.99 | $1,806.22 | $14,806.45 | |
| 353 | $1,896.20 | $80.20 | $1,816.00 | $12,990.45 | |
| 354 | $1,896.20 | $70.36 | $1,825.84 | $11,164.61 | |
| 355 | $1,896.20 | $60.47 | $1,835.73 | $9,328.88 | |
| 356 | $1,896.20 | $50.53 | $1,845.67 | $7,483.21 | |
| 357 | $1,896.20 | $40.53 | $1,855.67 | $5,627.54 | |
| 358 | $1,896.20 | $30.48 | $1,865.72 | $3,761.82 | |
| 359 | $1,896.20 | $20.38 | $1,875.83 | $1,885.99 | |
| 360 | $1,896.20 | $10.22 | $1,885.99 | $0.00 |
How an amortization schedule works
For a fixed-rate amortizing loan, each monthly payment splits into an interest portion and a principal portion. The interest portion is the outstanding balance times the periodic rate (annual rate divided by 12). The principal portion is whatever is left after interest is paid. As principal drops, less interest accrues each month and a larger share of the same payment goes to principal, which is why the early years of a 30 year mortgage feel interest-heavy and the last years feel principal-heavy.
Why extra principal saves so much
An extra principal payment in month one is the most valuable dollar you can spend on the loan. It permanently removes that dollar from every future interest calculation. The same dollar paid in the final month saves only one month of interest. That is why a modest monthly extra often shaves multiple years off a mortgage and saves more interest than the total extra paid.
Bi-weekly versus monthly
A genuine bi-weekly schedule produces 26 payments a year. That is the equivalent of 13 full monthly payments, so one extra payment lands on the principal annually. The standard equivalence used here adds one twelfth of the monthly payment each month, which is within rounding of the per-period schedule and matches what most lenders apply when they offer a formal bi-weekly program.
What this tool does not model
Property tax, homeowners insurance, PMI, and HOA dues belong to a full PITI calculation; use the Mortgage Calculator for those. Variable rate loans (ARMs), interest-only periods, balloon payments, and lender fees are not modeled. Results assume monthly compounding and standard amortization, which matches almost all US mortgages, auto loans, student loans, and personal loans.
How to use
- Pick a common-loan preset like 30 year mortgage, 5 year auto loan, or 10 year student loan, or type your own amount, rate, and term.
- Choose a currency and enter the loan amount, the annual interest rate, and the term as years plus optional extra months.
- Add an optional extra monthly principal payment, an optional one-time lump sum, and the month the lump sum applies (use 12 for the first anniversary).
- Read the monthly payment, baseline totals, and With your extras card to see interest saved and time saved versus paying the regular minimum.
- Use the bi-weekly comparison card to see how a half-monthly payment every two weeks shortens the loan.
- Toggle the schedule between With extras and Baseline, switch between Monthly and Yearly, then Copy CSV to paste into a spreadsheet or Copy summary for a plain-text share.
About this tool
Amortization Schedule Generator builds a complete month-by-month payment schedule for any fixed-rate amortizing loan: mortgage, refinance, home equity, auto, student, or personal. Enter the loan amount, annual interest rate, and term in years (and optional extra months), and the tool computes the standard monthly payment and writes out the full schedule with payment, interest, principal, extra principal, and remaining balance for every month from origination to payoff. Three optional inputs unlock the most asked features in this space: an extra principal payment each month, a one-time lump sum, and the month number the lump sum lands on. Both are applied after interest is deducted, so they reduce principal directly and compound their savings across every later month. The summary cards on the right compare the baseline schedule (no extras) with your schedule (extras applied) side by side, so you can read your total interest, total of payments, payoff time, interest saved, and time saved at a glance. The bi-weekly comparison card models the popular bi-weekly payment trick: paying half the monthly payment every two weeks gives 26 bi-weekly payments per year, the equivalent of 13 monthly payments. The tool reports the bi-weekly payment amount and the resulting interest saved versus the standard monthly schedule. Switch the schedule view between With extras and Baseline, switch the display between monthly and yearly summary, copy the schedule as CSV ready to paste into Excel or Google Sheets, or copy a plain-text summary for a quick share. Eight currencies are supported (US dollar, euro, British pound, Canadian dollar, Australian dollar, Japanese yen, Indian rupee, Turkish lira) with correct decimals and grouping. Presets cover the loans people actually search for: 30 year mortgage, 15 year mortgage, 5 year auto loan, 3 year personal loan, and 10 year student loan. Useful for comparing how much faster a mortgage pays off with a modest monthly extra, sizing a one-time bonus or tax refund against the loan, deciding between bi-weekly and monthly payment plans, and producing a printable schedule for a lender, financial planner, or family member. All math runs locally in your browser; loan amounts, balances, and rates never leave your device.
Free to use. Works in your browser. No signup, no login.
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