Loan Amortization Calculator — An amortization schedule shows how each loan payment is split between principal (the amount you actually owe) and interest (the cost of borrowing). Early in the loan, most of each payment goes to interest; as the balance shrinks, more goes to principal. A 30-year mortgage might cost you 2-3× the original loan amount in interest over its life, depending on the rate.
All math runs locally. No loan data leaves your browser.
The schedule is a simplified model for education, not financial or lending advice. Real quotes include fees, insurance, and terms this calculator does not model. Confirm figures with your lender.
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An amortization schedule shows how each loan payment is split between principal (the amount you actually owe) and interest (the cost of borrowing). Early in the loan, most of each payment goes to interest; as the balance shrinks, more goes to principal. A 30-year mortgage might cost you 2-3× the original loan amount in interest over its life, depending on the rate.
This tool generates the full schedule: monthly payment, total interest, total paid, and a per-payment breakdown. Supports monthly, biweekly, weekly, and quarterly payment frequencies.
So funktioniert es
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Enter the loan amount
The total amount you are borrowing. For a mortgage, this is the home price minus down payment.
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Enter the interest rate
Annual percentage rate (APR), not the nominal interest rate. For mortgages in the US, the APR is what the lender quotes.
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Enter the term
How many years until the loan is fully paid. 30 is standard for a US mortgage; 15 is also common.
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Pick a payment frequency
Monthly (standard), biweekly (pay half your monthly amount every two weeks — saves years of interest), weekly, or quarterly.
Beispiele
$300k mortgage, 6.5%, 30 years, monthly
A typical US mortgage in 2024-2026.
Ergebnis: Monthly payment: $1,896 · Total interest: $382,633 · Total paid: $682,633
$50k auto loan, 7%, 5 years, monthly
A typical new-car loan.
Ergebnis: Monthly payment: $990 · Total interest: $9,402 · Total paid: $59,402
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Last reviewed: 2026-09-25