Loan amortization schedule

Build a period-by-period loan amortisation schedule for annuity or equal-principal repayment, add extra monthly payments to see the loan close early, and get per-year totals, total interest, interest saved, months saved and a copyable CSV.

Runs in your browserEvery computation happens in your browser — your data never leaves this device.

Loan parameters

All money is integer cents; interest is rounded to the cent on the opening balance and the final (or early) payoff is trued up so the balance lands exactly on zero.

Principal (yuan)Annual rate (%)Scheduled term (months)Extra monthly payment (yuan, optional)

Repayment method

Schedule rows to show

Result

Monthly payment3,244.79

First instalment3,244.79

Last instalment3,243.64

Actual instalments240 periods

Monthly rate0.400000%

Total interest278,748.45

Total repayment778,748.45

Interest saved0.00

Instalments saved0 periods

The figures here are a mathematical estimate from the values you entered, not investment, lending or legal advice; your actual rate, fees and repayment plan come from the loan contract.

Yearly totals

Year	Periods	Paid	Principal	Interest	Balance
1	1–12	38,937.48	15,270.56	23,666.92	484,729.44
2	13–24	38,937.48	16,019.86	22,917.62	468,709.58
3	25–36	38,937.48	16,805.95	22,131.53	451,903.63
4	37–48	38,937.48	17,630.62	21,306.86	434,273.01
5	49–60	38,937.48	18,495.76	20,441.72	415,777.25
6	61–72	38,937.48	19,403.35	19,534.13	396,373.90
7	73–84	38,937.48	20,355.48	18,582.00	376,018.42
8	85–96	38,937.48	21,354.34	17,583.14	354,664.08
9	97–108	38,937.48	22,402.19	16,535.29	332,261.89
10	109–120	38,937.48	23,501.47	15,436.01	308,760.42
11	121–132	38,937.48	24,654.71	14,282.77	284,105.71
12	133–144	38,937.48	25,864.50	13,072.98	258,241.21
13	145–156	38,937.48	27,133.69	11,803.79	231,107.52
14	157–168	38,937.48	28,465.13	10,472.35	202,642.39
15	169–180	38,937.48	29,861.92	9,075.56	172,780.47
16	181–192	38,937.48	31,327.23	7,610.25	141,453.24
17	193–204	38,937.48	32,864.49	6,072.99	108,588.75
18	205–216	38,937.48	34,477.16	4,460.32	74,111.59
19	217–228	38,937.48	36,168.96	2,768.52	37,942.63
20	229–240	38,936.33	37,942.63	993.70	0.00

Amortisation schedule

12 rows shown (scheduled term: 240)

Period	Payment	Principal	Interest	Balance
1	3,244.79	1,244.79	2,000.00	498,755.21
2	3,244.79	1,249.77	1,995.02	497,505.44
3	3,244.79	1,254.77	1,990.02	496,250.67
4	3,244.79	1,259.79	1,985.00	494,990.88
5	3,244.79	1,264.83	1,979.96	493,726.05
6	3,244.79	1,269.89	1,974.90	492,456.16
7	3,244.79	1,274.97	1,969.82	491,181.19
8	3,244.79	1,280.07	1,964.72	489,901.12
9	3,244.79	1,285.19	1,959.60	488,615.93
10	3,244.79	1,290.33	1,954.46	487,325.60
11	3,244.79	1,295.49	1,949.30	486,030.11
12	3,244.79	1,300.67	1,944.12	484,729.44
Total	38,937.48	15,270.56	23,666.92	—

CSV export

Copy the text and paste it into Excel, or save it as a .csv file.

Period,Payment,Principal,Interest,Extra,Balance
1,3244.79,1244.79,2000.00,0.00,498755.21
2,3244.79,1249.77,1995.02,0.00,497505.44
3,3244.79,1254.77,1990.02,0.00,496250.67
4,3244.79,1259.79,1985.00,0.00,494990.88
5,3244.79,1264.83,1979.96,0.00,493726.05
6,3244.79,1269.89,1974.90,0.00,492456.16
7,3244.79,1274.97,1969.82,0.00,491181.19
8,3244.79,1280.07,1964.72,0.00,489901.12
9,3244.79,1285.19,1959.60,0.00,488615.93
10,3244.79,1290.33,1954.46,0.00,487325.60
11,3244.79,1295.49,1949.30,0.00,486030.11
12,3244.79,1300.67,1944.12,0.00,484729.44
13,3244.79,1305.87,1938.92,0.00,483423.57
14,3244.79,1311.10,1933.69,0.00,482112.47
15,3244.79,1316.34,1928.45,0.00,480796.13
16,3244.79,1321.61,1923.18,0.00,479474.52
17,3244.79,1326.89,1917.90,0.00,478147.63
18,3244.79,1332.20,1912.59,0.00,476815.43
19,3244.79,1337.53,1907.26,0.00,475477.90
20,3244.79,1342.88,1901.91,0.00,474135.02
21,3244.79,1348.25,1896.54,0.00,472786.77
22,3244.79,1353.64,1891.15,0.00,471433.13
23,3244.79,1359.06,1885.73,0.00,470074.07
24,3244.79,1364.49,1880.30,0.00,468709.58
25,3244.79,1369.95,1874.84,0.00,467339.63
26,3244.79,1375.43,1869.36,0.00,465964.20
27,3244.79,1380.93,1863.86,0.00,464583.27
28,3244.79,1386.46,1858.33,0.00,463196.81
29,3244.79,1392.00,1852.79,0.00,461804.81
30,3244.79,1397.57,1847.22,0.00,460407.24
31,3244.79,1403.16,1841.63,0.00,459004.08
32,3244.79,1408.77,1836.02,0.00,457595.31
33,3244.79,1414.41,1830.38,0.00,456180.90
34,3244.79,1420.07,1824.72,0.00,454760.83
35,3244.79,1425.75,1819.04,0.00,453335.08
36,3244.79,1431.45,1813.34,0.00,451903.63
37,3244.79,1437.18,1807.61,0.00,450466.45
38,3244.79,1442.92,1801.87,0.00,449023.53
39,3244.79,1448.70,1796.09,0.00,447574.83
40,3244.79,1454.49,1790.30,0.00,446120.34
41,3244.79,1460.31,1784.48,0.00,444660.03
42,3244.79,1466.15,1778.64,0.00,443193.88
43,3244.79,1472.01,1772.78,0.00,441721.87
44,3244.79,1477.90,1766.89,0.00,440243.97
45,3244.79,1483.81,1760.98,0.00,438760.16
46,3244.79,1489.75,1755.04,0.00,437270.41
47,3244.79,1495.71,1749.08,0.00,435774.70
48,3244.79,1501.69,1743.10,0.00,434273.01
49,3244.79,1507.70,1737.09,0.00,432765.31
50,3244.79,1513.73,1731.06,0.00,431251.58
51,3244.79,1519.78,1725.01,0.00,429731.80
52,3244.79,1525.86,1718.93,0.00,428205.94
53,3244.79,1531.97,1712.82,0.00,426673.97
54,3244.79,1538.09,1706.70,0.00,425135.88
55,3244.79,1544.25,1700.54,0.00,423591.63
56,3244.79,1550.42,1694.37,0.00,422041.21
57,3244.79,1556.63,1688.16,0.00,420484.58
58,3244.79,1562.85,1681.94,0.00,418921.73
59,3244.79,1569.10,1675.69,0.00,417352.63
60,3244.79,1575.38,1669.41,0.00,415777.25
61,3244.79,1581.68,1663.11,0.00,414195.57
62,3244.79,1588.01,1656.78,0.00,412607.56
63,3244.79,1594.36,1650.43,0.00,411013.20
64,3244.79,1600.74,1644.05,0.00,409412.46
65,3244.79,1607.14,1637.65,0.00,407805.32
66,3244.79,1613.57,1631.22,0.00,406191.75
67,3244.79,1620.02,1624.77,0.00,404571.73
68,3244.79,1626.50,1618.29,0.00,402945.23
69,3244.79,1633.01,1611.78,0.00,401312.22
70,3244.79,1639.54,1605.25,0.00,399672.68
71,3244.79,1646.10,1598.69,0.00,398026.58
72,3244.79,1652.68,1592.11,0.00,396373.90
73,3244.79,1659.29,1585.50,0.00,394714.61
74,3244.79,1665.93,1578.86,0.00,393048.68
75,3244.79,1672.60,1572.19,0.00,391376.08
76,3244.79,1679.29,1565.50,0.00,389696.79
77,3244.79,1686.00,1558.79,0.00,388010.79
78,3244.79,1692.75,1552.04,0.00,386318.04
79,3244.79,1699.52,1545.27,0.00,384618.52
80,3244.79,1706.32,1538.47,0.00,382912.20
81,3244.79,1713.14,1531.65,0.00,381199.06
82,3244.79,1719.99,1524.80,0.00,379479.07
83,3244.79,1726.87,1517.92,0.00,377752.20
84,3244.79,1733.78,1511.01,0.00,376018.42
85,3244.79,1740.72,1504.07,0.00,374277.70
86,3244.79,1747.68,1497.11,0.00,372530.02
87,3244.79,1754.67,1490.12,0.00,370775.35
88,3244.79,1761.69,1483.10,0.00,369013.66
89,3244.79,1768.74,1476.05,0.00,367244.92
90,3244.79,1775.81,1468.98,0.00,365469.11
91,3244.79,1782.91,1461.88,0.00,363686.20
92,3244.79,1790.05,1454.74,0.00,361896.15
93,3244.79,1797.21,1447.58,0.00,360098.94
94,3244.79,1804.39,1440.40,0.00,358294.55
95,3244.79,1811.61,1433.18,0.00,356482.94
96,3244.79,1818.86,1425.93,0.00,354664.08
97,3244.79,1826.13,1418.66,0.00,352837.95
98,3244.79,1833.44,1411.35,0.00,351004.51
99,3244.79,1840.77,1404.02,0.00,349163.74
100,3244.79,1848.14,1396.65,0.00,347315.60
101,3244.79,1855.53,1389.26,0.00,345460.07
102,3244.79,1862.95,1381.84,0.00,343597.12
103,3244.79,1870.40,1374.39,0.00,341726.72
104,3244.79,1877.88,1366.91,0.00,339848.84
105,3244.79,1885.39,1359.40,0.00,337963.45
106,3244.79,1892.94,1351.85,0.00,336070.51
107,3244.79,1900.51,1344.28,0.00,334170.00
108,3244.79,1908.11,1336.68,0.00,332261.89
109,3244.79,1915.74,1329.05,0.00,330346.15
110,3244.79,1923.41,1321.38,0.00,328422.74
111,3244.79,1931.10,1313.69,0.00,326491.64
112,3244.79,1938.82,1305.97,0.00,324552.82
113,3244.79,1946.58,1298.21,0.00,322606.24
114,3244.79,1954.37,1290.42,0.00,320651.87
115,3244.79,1962.18,1282.61,0.00,318689.69
116,3244.79,1970.03,1274.76,0.00,316719.66
117,3244.79,1977.91,1266.88,0.00,314741.75
118,3244.79,1985.82,1258.97,0.00,312755.93
119,3244.79,1993.77,1251.02,0.00,310762.16
120,3244.79,2001.74,1243.05,0.00,308760.42
121,3244.79,2009.75,1235.04,0.00,306750.67
122,3244.79,2017.79,1227.00,0.00,304732.88
123,3244.79,2025.86,1218.93,0.00,302707.02
124,3244.79,2033.96,1210.83,0.00,300673.06
125,3244.79,2042.10,1202.69,0.00,298630.96
126,3244.79,2050.27,1194.52,0.00,296580.69
127,3244.79,2058.47,1186.32,0.00,294522.22
128,3244.79,2066.70,1178.09,0.00,292455.52
129,3244.79,2074.97,1169.82,0.00,290380.55
130,3244.79,2083.27,1161.52,0.00,288297.28
131,3244.79,2091.60,1153.19,0.00,286205.68
132,3244.79,2099.97,1144.82,0.00,284105.71
133,3244.79,2108.37,1136.42,0.00,281997.34
134,3244.79,2116.80,1127.99,0.00,279880.54
135,3244.79,2125.27,1119.52,0.00,277755.27
136,3244.79,2133.77,1111.02,0.00,275621.50
137,3244.79,2142.30,1102.49,0.00,273479.20
138,3244.79,2150.87,1093.92,0.00,271328.33
139,3244.79,2159.48,1085.31,0.00,269168.85
140,3244.79,2168.11,1076.68,0.00,267000.74
141,3244.79,2176.79,1068.00,0.00,264823.95
142,3244.79,2185.49,1059.30,0.00,262638.46
143,3244.79,2194.24,1050.55,0.00,260444.22
144,3244.79,2203.01,1041.78,0.00,258241.21
145,3244.79,2211.83,1032.96,0.00,256029.38
146,3244.79,2220.67,1024.12,0.00,253808.71
147,3244.79,2229.56,1015.23,0.00,251579.15
148,3244.79,2238.47,1006.32,0.00,249340.68
149,3244.79,2247.43,997.36,0.00,247093.25
150,3244.79,2256.42,988.37,0.00,244836.83
151,3244.79,2265.44,979.35,0.00,242571.39
152,3244.79,2274.50,970.29,0.00,240296.89
153,3244.79,2283.60,961.19,0.00,238013.29
154,3244.79,2292.74,952.05,0.00,235720.55
155,3244.79,2301.91,942.88,0.00,233418.64
156,3244.79,2311.12,933.67,0.00,231107.52
157,3244.79,2320.36,924.43,0.00,228787.16
158,3244.79,2329.64,915.15,0.00,226457.52
159,3244.79,2338.96,905.83,0.00,224118.56
160,3244.79,2348.32,896.47,0.00,221770.24
161,3244.79,2357.71,887.08,0.00,219412.53
162,3244.79,2367.14,877.65,0.00,217045.39
163,3244.79,2376.61,868.18,0.00,214668.78
164,3244.79,2386.11,858.68,0.00,212282.67
165,3244.79,2395.66,849.13,0.00,209887.01
166,3244.79,2405.24,839.55,0.00,207481.77
167,3244.79,2414.86,829.93,0.00,205066.91
168,3244.79,2424.52,820.27,0.00,202642.39
169,3244.79,2434.22,810.57,0.00,200208.17
170,3244.79,2443.96,800.83,0.00,197764.21
171,3244.79,2453.73,791.06,0.00,195310.48
172,3244.79,2463.55,781.24,0.00,192846.93
173,3244.79,2473.40,771.39,0.00,190373.53
174,3244.79,2483.30,761.49,0.00,187890.23
175,3244.79,2493.23,751.56,0.00,185397.00
176,3244.79,2503.20,741.59,0.00,182893.80
177,3244.79,2513.21,731.58,0.00,180380.59
178,3244.79,2523.27,721.52,0.00,177857.32
179,3244.79,2533.36,711.43,0.00,175323.96
180,3244.79,2543.49,701.30,0.00,172780.47
181,3244.79,2553.67,691.12,0.00,170226.80
182,3244.79,2563.88,680.91,0.00,167662.92
183,3244.79,2574.14,670.65,0.00,165088.78
184,3244.79,2584.43,660.36,0.00,162504.35
185,3244.79,2594.77,650.02,0.00,159909.58
186,3244.79,2605.15,639.64,0.00,157304.43
187,3244.79,2615.57,629.22,0.00,154688.86
188,3244.79,2626.03,618.76,0.00,152062.83
189,3244.79,2636.54,608.25,0.00,149426.29
190,3244.79,2647.08,597.71,0.00,146779.21
191,3244.79,2657.67,587.12,0.00,144121.54
192,3244.79,2668.30,576.49,0.00,141453.24
193,3244.79,2678.98,565.81,0.00,138774.26
194,3244.79,2689.69,555.10,0.00,136084.57
195,3244.79,2700.45,544.34,0.00,133384.12
196,3244.79,2711.25,533.54,0.00,130672.87
197,3244.79,2722.10,522.69,0.00,127950.77
198,3244.79,2732.99,511.80,0.00,125217.78
199,3244.79,2743.92,500.87,0.00,122473.86
200,3244.79,2754.89,489.90,0.00,119718.97
201,3244.79,2765.91,478.88,0.00,116953.06
202,3244.79,2776.98,467.81,0.00,114176.08
203,3244.79,2788.09,456.70,0.00,111387.99
204,3244.79,2799.24,445.55,0.00,108588.75
205,3244.79,2810.43,434.36,0.00,105778.32
206,3244.79,2821.68,423.11,0.00,102956.64
207,3244.79,2832.96,411.83,0.00,100123.68
208,3244.79,2844.30,400.49,0.00,97279.38
209,3244.79,2855.67,389.12,0.00,94423.71
210,3244.79,2867.10,377.69,0.00,91556.61
211,3244.79,2878.56,366.23,0.00,88678.05
212,3244.79,2890.08,354.71,0.00,85787.97
213,3244.79,2901.64,343.15,0.00,82886.33
214,3244.79,2913.24,331.55,0.00,79973.09
215,3244.79,2924.90,319.89,0.00,77048.19
216,3244.79,2936.60,308.19,0.00,74111.59
217,3244.79,2948.34,296.45,0.00,71163.25
218,3244.79,2960.14,284.65,0.00,68203.11
219,3244.79,2971.98,272.81,0.00,65231.13
220,3244.79,2983.87,260.92,0.00,62247.26
221,3244.79,2995.80,248.99,0.00,59251.46
222,3244.79,3007.78,237.01,0.00,56243.68
223,3244.79,3019.82,224.97,0.00,53223.86
224,3244.79,3031.89,212.90,0.00,50191.97
225,3244.79,3044.02,200.77,0.00,47147.95
226,3244.79,3056.20,188.59,0.00,44091.75
227,3244.79,3068.42,176.37,0.00,41023.33
228,3244.79,3080.70,164.09,0.00,37942.63
229,3244.79,3093.02,151.77,0.00,34849.61
230,3244.79,3105.39,139.40,0.00,31744.22
231,3244.79,3117.81,126.98,0.00,28626.41
232,3244.79,3130.28,114.51,0.00,25496.13
233,3244.79,3142.81,101.98,0.00,22353.32
234,3244.79,3155.38,89.41,0.00,19197.94
235,3244.79,3168.00,76.79,0.00,16029.94
236,3244.79,3180.67,64.12,0.00,12849.27
237,3244.79,3193.39,51.40,0.00,9655.88
238,3244.79,3206.17,38.62,0.00,6449.71
239,3244.79,3218.99,25.80,0.00,3230.72
240,3243.64,3230.72,12.92,0.00,0.00
Total,778748.45,500000.00,278748.45,0.00,0.00

What this tool does

See the whole repayment plan before signing a mortgage: what each instalment costs, how much of it is interest and how much principal is left — and how lopsided the early years really are.
Compare equal instalment with equal principal: on 500,000 at 4.8% over 240 months the equal-principal plan costs about 840 more in the first month but about 37,700 less interest overall.
Model an early payoff: put 1,000 in the extra monthly payment field and watch the term drop from 240 to 160 instalments and the interest fall by more than 100,000.
Hand the plan to an accountant or file it away — export the CSV, which contains every period plus a totals row.

Example

Input

Principal 500,000, annual rate 4.8%, scheduled term 240 months, equal instalment, no extra payment

Output

Monthly payment 3,244.79; first instalment 3,244.79 (interest 2,000.00); last instalment 3,243.64; 240 instalments; monthly rate 0.400000%; total interest 278,748.45; total repayment 778,748.45

The final instalment is 1.15 lower than the monthly payment because each period’s interest is rounded to the cent and the last period clears whatever principal is left — which is exactly what makes the principal column add up to the loan and the closing balance land on zero.

Frequently asked questions

How is the interest per period calculated, and why is the last instalment different?

Interest for a period is the opening balance multiplied by the monthly rate, rounded to the cent; the principal part is the payment minus that interest. Rounding accumulates a few cents of drift, so the final instalment clears the remaining principal outright, which is why it is slightly above or below the regular payment and why the closing balance is exactly zero.

How much do the two repayment methods differ?

Equal instalment keeps every payment identical, so it is easier early on but costs more interest. Equal principal repays a fixed amount of principal each period with shrinking interest, so the first payments are higher and the total interest lower. On 500,000 at 4.8% over 240 months that is 278,748.45 versus 240,999.83 in interest, with the equal-principal first payment about 839 higher.

How much can an extra monthly payment save?

Every extra cent goes straight to principal, so the interest is recalculated on a lower balance and the effect compounds. On 500,000 at 4.8% over 240 months, adding 1,000 a month shortens the loan to 160 instalments and cuts interest from 278,748.45 to 177,421.47 — a saving of 101,326.98.

What are "instalments saved" and "interest saved" measured against?

They compare against the same loan and method with an extra payment of zero. Instalments saved is the baseline count minus the current count, and interest saved is the baseline total interest minus the current total interest. Both stay at zero when no extra payment is entered.

Is my data uploaded, and can I sign a contract off these numbers?

Everything is computed locally in the browser and nothing is uploaded. The output is a mathematical estimate from the values you typed — real contracts also carry fees, insurance, rate resets and early-repayment penalties, so treat the lender’s own schedule as authoritative.

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