Loan Amortization Calculator
Full payment-by-payment breakdown.
Your figures stay on your computer — no server, no tracking, no registrationTry: Loan amount=20000, APR=6.5, Term=5 → $20,000, $391, 60, $3,479, $23,479
How to use
Amortization shows the slow shift from interest-heavy to principal-heavy payments. The table previews the first year.
Formula
Each period: interest = balance × r, principal = PMT − interest.
FAQ
Why does the split change?
As the balance falls, the same interest rate grabs a smaller dollar amount.
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