Amortization Calculator

Generate a full year-by-year amortization schedule showing principal, interest, and remaining balance for any loan. Free, instant, no signup.

%
years
Formula: PMT = P × r / (1 − (1 + r)^−n)
  • P = loan principal
  • r = monthly interest rate
  • n = total months

How to use the Amortization Calculator

  1. Enter your values. Fill in the fields with your numbers.
  2. Calculate. Press Calculate to run the amortization calculator.
  3. Use the result. Copy the result or try a related tool next.

Why use our Amortization Calculator

Instant results. Enter your figures and the amortization calculator returns an answer in seconds.
Free & private. Runs in your browser — no signup, and nothing is sent to a server.
Accurate. Uses standard formulas so you can rely on the numbers.

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About the Amortization Calculator

The Amortization Calculator turns a single loan into a complete, payment-by-payment repayment plan. You enter the loan amount, the annual interest rate, and the term in years, and it builds the full amortization schedule: each scheduled payment is split into the part that covers interest and the part that reduces what you still owe. Unlike a basic payment calculator that just tells you the monthly figure, this tool shows how that figure is allocated every single month and how your remaining balance shrinks toward zero. It works for mortgages, car loans, student loans, and personal loans that are repaid in equal installments.

Use it whenever you want to understand the true cost of borrowing before or during a loan. It answers practical questions: how much total interest will I pay over the life of this loan, how long until I have paid off half the principal, and how would a shorter term or a lower rate change the numbers. Because early payments are heavily weighted toward interest, the schedule is especially useful for spotting how slowly the balance moves in the first years and for comparing a 15-year versus a 30-year term side by side. Many people run it before refinancing or accepting a loan offer.

Under the hood it uses the standard fixed-payment (annuity) formula: A = P * r(1+r)^n / ((1+r)^n - 1), where P is the principal, r is the periodic interest rate (annual rate divided by 12 for monthly payments), and n is the total number of payments. Once the level payment A is found, each month the calculator multiplies the current outstanding balance by r to get that month's interest, subtracts it from the payment to get the principal portion, and reduces the balance by that principal. Repeating this for every period produces the schedule, with interest falling and principal rising over time.

All calculations run entirely in your browser, so the loan figures you type are never uploaded to a server or stored anywhere. Results are mathematically accurate for a standard fully amortizing, fixed-rate loan with equal periodic payments. Real lenders may differ by a few cents due to rounding conventions, day-count methods, or fees, and the tool does not include property taxes, insurance, PMI, or variable-rate adjustments. Treat the output as a precise planning estimate for the principal-and-interest portion of your loan rather than an exact quote from your lender.

Frequently asked questions

What formula does this amortization calculator use?

It uses the standard amortizing-loan payment formula A = P * r(1+r)^n / ((1+r)^n - 1), where P is the loan amount, r is the interest rate per period (annual rate divided by 12 for monthly payments), and n is the total number of payments. Each month's interest is then the current balance times r, and the rest of the payment reduces the principal.

Why does so much of my early payment go to interest?

Interest each month is charged on the outstanding balance, which is highest at the start of the loan. As you pay down the principal, the interest portion shrinks and more of your fixed payment goes toward the balance, so the principal share grows steadily over the term.

How do extra payments change the schedule?

Any amount paid above the scheduled payment goes straight to principal, lowering the balance that future interest is calculated on. This shortens the loan term and can save a significant amount of total interest, since the savings compound across every remaining payment.

Is a 15-year loan better than a 30-year loan?

A 15-year term has higher monthly payments but amortizes faster and costs far less total interest. A 30-year term lowers the monthly payment but stretches out the balance, so you pay more interest overall. Run both in the calculator to compare the trade-off for your situation.

Does the result include taxes, insurance, or fees?

No. The schedule covers only principal and interest. Items like property taxes, homeowners or PMI insurance, HOA dues, and origination fees are not included, so your actual lender payment may be higher than the figure shown here.

From our blog

Price Per Square Foot: How to Use It Without Getting Burned

By the Super Simple Digital Tools Team · Updated June 2026

Price per square foot is one of the most quoted numbers in real estate and construction, and one of the most misused. The calculation never changes: take the total price and divide it by the area in square feet. A $300,000 house at 2,500 square feet is $120 per square foot; a $600,000 condo at 1,500 square feet is $400 per square foot. The arithmetic is trivial. The skill is knowing when that single number tells the truth and when it quietly lies to you.

Its real job is comparison. On its own, '$250 per square foot' means nothing. Set against three similar homes on the same block selling for $230 to $240, it tells you a property may be priced ahead of the market; against comps at $290, it may be a deal. The metric strips away the distraction of total price so a 1,400-square-foot starter home and a 2,800-square-foot family home can be judged on the same scale. That only holds when the homes are genuinely alike in location, lot, condition, and size.

The classic trap is comparing across sizes. Smaller homes almost always cost more per square foot, because every home needs a kitchen, bathrooms, a foundation, and mechanical systems, and those fixed costs are divided over fewer feet. The first 1,500 to 2,500 square feet carry the essential rooms; space beyond that adds 'nice to have' area with diminishing value. So a big house showing a low per-foot price is not a bargain by default, and a small one showing a high price is not overpriced, it is just math.

The second trap is the square footage itself. Appraisers measure gross living area: space that is finished, heated by a conventional system, reachable from the rest of the home, and at least seven feet tall. Basements, garages, sunrooms, and unpermitted conversions are typically left out. If a listing folds those into its size, the area looks bigger and the price per foot looks lower than reality. Before you trust any per-foot figure, confirm exactly which spaces the square footage includes.

Construction follows the same formula but answers a different question: what does it cost to build, not what will it sell for. National build costs commonly land in the low hundreds of dollars per square foot before land and contractor margin, while listing prices per square foot run higher because they bake in land value, profit, and demand. Whether you are buying, renting, or building, run your own numbers through the calculator, hold the inputs consistent, and treat the result as a starting point for comparison rather than a verdict on value.

  • Always compare per-foot figures within the same neighborhood and a similar size range; the metric breaks down across different markets or large size gaps.
  • Confirm whether the square footage is gross living area or total under-roof area before dividing, since basements and garages can distort the result.
  • Use the calculator in reverse: multiply a known local rate per square foot by the area to sanity-check an asking price or set a renovation budget.
  • For construction quotes, write down whether the price includes land, finishes, and contractor margin so you compare build costs on equal terms.

Read the full guide →

Tool by the Super Simple Digital Tools Team. Reviewed by our editorial team. Free to use, no signup required.

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