Mortgage Amortization Schedule

The Mortgage Amortization Schedule turns a loan into a complete, payment-by-payment table so you can see exactly where your money goes.

Enter the loan amount, the annual interest rate, the term in years and how many payments you make each year, and the tool computes the level payment and every row of the schedule.

Each row shows the payment number, the fixed payment, how much of it covers interest, how much pays down the principal, and the remaining balance afterwards.

Early on, most of each payment is interest; as the balance falls, more of every payment chips away at the principal.

Watching that crossover is the clearest way to understand why paying a little extra early saves so much over the life of a loan.

You are not limited to monthly loans: choose monthly, bi-weekly, quarterly or annual payment frequencies to match your real schedule.

The summary reports the per-payment amount, the total number of payments, the total amount paid and the total interest.

The final payment is adjusted so the balance lands at exactly zero, absorbing any rounding.

You can copy the whole schedule as CSV to drop into a spreadsheet.

All of it runs locally in your browser with no uploads, so your figures stay private and it works offline.