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Currently the Amortization Schedule Calculator is the most popular financial calculator on this website. It calculates one of four unknowns or you can provide all the values. You are also in control of the loan and first payment dates. More below...»

Will making small, extra payments save me money?
Our Extra Payment Calculator will create an amortization table and show you the interest saved.
Will paying half the monthly payment every other week save interest charges?
Check out our Biweekly Loan Calculator to find out.
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Enter a "0" (zero) for one unknown value above.
No/Yr Date Payment Interest Principal Balance
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$ : mm/dd/yyyy
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Related: Need to amortize a really big debt? US National Debt Calculator handles debts to $99 trillion. Amortize entire debt or your family's share of the debt (surprise!). Also, generic use for bond coupon schedules.

Important Note About Dates: This calculator allows irregular length first periods. That is, the calculator calculates the exact amount of interest due even when the initial period is shorter or longer than the other scheduled periods. This will produce interest charges that do not match other calculators. If you want to match other calculators then set the "Loan Date" and "1st Payment Date" so that they equal one full period as set in "Payment Frequency". Example: If the "Loan Date" is May 15th and the "Payment Frequency" is "Monthly", then the "1st Payment Date" should be set to June 15th, that is IF you want a conventional interest calculation. See the end of the "Help" text for some more details.

Don't want to be bothered setting dates? No problem. Use this loan calculator. It also creates an amortization schedule.

What is amortization? According to vocabulary.com, "amortization means a debt is being paid off by a series of payments". When people search for an amortization calculator, they search for it using many different search phrases. If you are searching for any of these financial calculators, this calculator should meet your needs. If it doesn't, feel free to tell me what you need in the comment area below and there is a good chance I'll be able to make a recommendation.

Related: Don't over pay, don't under collect. If you need to track payments on the exact date they are paid (or missed) for whatever amount, then use our Ultimate Financial Calculator and see the loan payoff calculation tutorial .

This website has dozens of financial calculators that create various amortization schedules, payment schedules, withdrawal schedules and general cash flow schedules. This is a complete list of our free, online calculators. Feel free to surf!

Do You Have 20 Seconds?
Please tell me how you use this calculator. Are you using it personally or professionally? What feature is important to you? If it didn't meet your needs, why? Your feedback will help me make improvements. Complete sentences aren't necessary! :)

373 thoughts on “amortization-schedule

  1. Thanks for your amortization loan schedule. It was easy, accurate, fast and looks great printed for me. I’ll use it more in the future.

  2. Thank you for providing this amortization calculation service.
    I just sold my building on a land contract and needed a chart for the new buyers
    and myself as well. Great community service–you are appreciated!

  3. I use it as an educational tool for a personal finance course I am teaching. I like that the payments are numbered, as well as being summarized by calendar year for tax purposes. Thanks for providing it!

  4. I used this schedule when my son bought the other half of their business from his partner. It was okay until he missed two payments and I don’t know how to make it recalculate. Is there any way to do this?

    • Thanks for letting me know. Please try the Ultimate Financial Calculator. It is better suited for missed or irregular payments.

      Scroll down the page and there are a number of tutorials. Tutorial #1 will give you an overview, and #25 is written for your specific need.

  5. I am calculating the interest due me on a note I hold. Very good program! Thanks

  6. if there is a loan of amount 100,000 with 10% interest paid semi annually
    how ca i make amortization tabel for it?

  7. What a time saver! Our office just entered into a new capitalized lease and I was not provided an amortization schedule to determine the amount of interest and principal each month from a fixed monthly payment.
    Thank you

  8. Hello,

    Excellent work

    Are you able to share the formula to calculate the irregular first payment? Thank you

    • Hi Shane, thank you. But I don’t get into the math behind the calculations. It’s too much of a quaqmire. As this website is a part-time endeavor, I decided to limit my support to those that need assistance modeling a financial calculation.

      However, I can tell you this. I saw a question on one of the Stack Exchange sites just last week and it dealt specifically with this calculation. In fact, they had a screen shot of a calculator from this site. 🙂 The accepted answer was very thorough. Unfortunately, I can’t find it now.

  9. Hello, I love using this amortization calculator as we are in the legal business and do a lot of Land Contracts. However, there are times when we need to enter 0% interest (family to family, etc.) and the program won’t let me do that or do I just not know what I am doing?

  10. Is there a way to allow the balance of an amortized loan not to be included in the final payment of the loan??

Comments, suggestions & questions welcomed...

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