What formula is used to calculate the monthly payment?

The standard fixed-rate amortization formula: M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the principal, r is the monthly interest rate, and n is the number of payments.

Can I enter the loan term in months instead of years?

Yes — use the Term Unit toggle to switch between years and months.

How do I export the schedule?

Click the 'Export CSV' button to download the full amortization table as a comma-separated file compatible with Excel and Google Sheets.

Why does the table show only 12 rows initially?

Long-term loans can have 360+ rows. The first 12 are shown by default; click 'Show All' to expand the full table.

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Loan Amortization Table

Calculate monthly payments and see a full amortization schedule with principal vs. interest breakdown.

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About this tool

Enter your loan principal, annual interest rate, term, and start date to instantly calculate the fixed monthly payment. A detailed amortization table shows every payment's date, principal portion, interest portion, and remaining balance. A stacked SVG bar chart visualises how the principal-to-interest ratio shifts over the life of the loan. Export the full schedule as a CSV for use in spreadsheets.

How to use

1 Enter the loan principal, annual interest rate (%), loan term, and start date.
2 The monthly payment, total interest, and total amount paid are shown instantly at the top.
3 Scroll down to see the amortization table — the first 12 rows are visible; click 'Show All' for the complete schedule.
4 Click 'Export CSV' to download the full table for use in a spreadsheet.

Frequently Asked Questions

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