Plan smarter debt repayment with precise schedules extra payment controls and payoff insights optimize monthly budgets visualize principal and interest paths estimate savings and months saved compare scenarios and export the table for records achieve loan clarity faster with professional accuracy and user friendly features designed for advanced financial planning and reliable decision support
Enter your loan details and choose extra payment options to generate a detailed amortization schedule. You can also export the table as CSV.
The standard formula uses the monthly rate and total number of months to produce a fully amortizing payment that reduces the balance to zero at term.
Yes you can override the monthly payment. If the amount is too low to cover interest the calculator will request a higher value.
Recurring extras begin at the month number you select and continue every month thereafter until the loan is paid off.
The one time extra is applied entirely to principal in the selected month which shortens the term and reduces total interest.
The last payment is adjusted so the remaining balance reaches zero which may make it smaller than the standard payment.
If the rate is zero the payment equals principal divided by months and every dollar goes to principal.
Lenders work in cents so each month interest and principal are rounded to two decimals which can slightly adjust the final month.
Yes use the Export Schedule as CSV button to download a spreadsheet friendly file of the entire amortization table.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.