Amortization Calculator
Amortization is the schedule that turns one big loan into a fixed monthly payment. Early on, most of each payment is interest; over time the balance tips toward principal. This calculator builds the full table for your loan and marks the crossover point where equity starts winning.
Your numbers
Loan balance over time
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Amortization schedule
Every payment, split into principal and interest. Export it or print a copy.
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 2026 | $1,706 | $10,632 | $318,294 |
| 2027 | $3,587 | $21,090 | $314,707 |
| 2028 | $3,833 | $20,844 | $310,874 |
| 2029 | $4,096 | $20,581 | $306,778 |
| 2030 | $4,377 | $20,299 | $302,401 |
| 2031 | $4,678 | $19,999 | $297,723 |
| 2032 | $4,999 | $19,678 | $292,723 |
| 2033 | $5,343 | $19,334 | $287,381 |
| 2034 | $5,710 | $18,967 | $281,671 |
| 2035 | $6,102 | $18,575 | $275,570 |
| 2036 | $6,521 | $18,156 | $269,049 |
| 2037 | $6,968 | $17,709 | $262,081 |
| 2038 | $7,447 | $17,230 | $254,634 |
| 2039 | $7,958 | $16,719 | $246,676 |
| 2040 | $8,505 | $16,172 | $238,171 |
| 2041 | $9,089 | $15,588 | $229,082 |
| 2042 | $9,713 | $14,964 | $219,369 |
| 2043 | $10,380 | $14,297 | $208,989 |
| 2044 | $11,093 | $13,584 | $197,896 |
| 2045 | $11,854 | $12,822 | $186,042 |
| 2046 | $12,669 | $12,008 | $173,373 |
| 2047 | $13,539 | $11,138 | $159,835 |
| 2048 | $14,468 | $10,209 | $145,367 |
| 2049 | $15,462 | $9,215 | $129,905 |
| 2050 | $16,524 | $8,153 | $113,381 |
| 2051 | $17,658 | $7,019 | $95,723 |
| 2052 | $18,871 | $5,806 | $76,852 |
| 2053 | $20,167 | $4,510 | $56,685 |
| 2054 | $21,552 | $3,125 | $35,134 |
| 2055 | $23,032 | $1,645 | $12,102 |
| 2056 | $12,102 | $236 | $0 |
The same payment, a shifting split
With a fixed-rate loan your payment never changes, but what it buys does. Interest is charged on the balance you still owe, so when the balance is large, the interest slice is large. Each month you chip a little off the principal, the next month's interest is slightly smaller, and a little more of your fixed payment goes to principal. That compounding shift is amortization.
The crossover point, where principal finally exceeds interest in a single payment, usually lands around the halfway mark on a 30-year loan at today's rates. The chart above marks it for your numbers.
Read it by year or by month
Toggle the schedule between a yearly summary and every single payment. Export the full month-by-month version to CSV for a spreadsheet, or print a clean copy for your records. Nothing is uploaded, the file is generated in your browser.