Loan Amortization Calculator
Generate comprehensive amortization schedules with custom payment intervals, compounding modes, and advanced extra payment plans.
Advanced Extra Payments (Accelerator)
Remaining Loan Balance Payoff Curve
| Year | Range | Payments | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | Jan 2026–Dec 2026 | $15,169.63 | $2,235.45 | $12,934.18 | $197,764.55 |
| 2 | Jan 2027–Dec 2027 | $15,169.63 | $2,385.16 | $12,784.47 | $195,379.39 |
| 3 | Jan 2028–Dec 2028 | $15,169.63 | $2,544.90 | $12,624.73 | $192,834.48 |
| 4 | Jan 2029–Dec 2029 | $15,169.63 | $2,715.34 | $12,454.29 | $190,119.14 |
| 5 | Jan 2030–Dec 2030 | $15,169.63 | $2,897.19 | $12,272.44 | $187,221.95 |
| 6 | Jan 2031–Dec 2031 | $15,169.63 | $3,091.22 | $12,078.41 | $184,130.73 |
| 7 | Jan 2032–Dec 2032 | $15,169.63 | $3,298.25 | $11,871.39 | $180,832.49 |
| 8 | Jan 2033–Dec 2033 | $15,169.63 | $3,519.13 | $11,650.50 | $177,313.35 |
| 9 | Jan 2034–Dec 2034 | $15,169.63 | $3,754.82 | $11,414.81 | $173,558.54 |
| 10 | Jan 2035–Dec 2035 | $15,169.63 | $4,006.28 | $11,163.35 | $169,552.25 |
Cost Outcomes
Payment / Period:$1,264.14
Total Interest Paid:$255,088.98
Total Repayments:$455,088.98
Compounding frequencies: Frequent payment and compounding schedules (e.g. bi-weekly) lower the accrued balance faster than standard monthly methods.
Compounding interest and loan payoffs
Amortization maps fixed debt repayments across compounding curves. The periodic payment is:PMT = P × r(1+r)^n / ((1+r)^n − 1).
Adding extra payments directly lowers the principal. This reduces compounding duration and overall interest charges.
Private & free — this tool runs entirely in your browser.
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