Student Loan Amortization Calculator
Year-by-year breakdown of a student loan.
Your figures stay on your computer — no server, no tracking, no registrationTry: Loan amount=25000, APR=4.5, Term=10 → $25,000, $259, 120, $6,092, $31,092
How to use
See how each payment splits between interest and principal. The first-year table is shown; the full schedule follows the same rule.
Formula
Each period: interest = balance × r, principal = PMT − interest.
FAQ
Interest capitalizes?
Unsubsidized loans accrue interest in school; this assumes repayment has started.
Related calculators
Auto Loan CalculatorCar Loan Calculator with Trade InCar Loan Calculator with Down PaymentUsed Car Loan CalculatorNew Car Loan CalculatorCar Loan Amortization CalculatorAuto Loan Payoff CalculatorAuto Loan Early Payoff CalculatorAuto Loan Interest CalculatorCar Loan Payment CalculatorLoan Calculator with Trade In and TaxesLoan Calculator with Down Payment and Trade InStudent Loan CalculatorStudent Loan Payoff CalculatorStudent Loan Payoff Calculator by DateStudent Loan Interest CalculatorStudent Loan Payment CalculatorPersonal Loan CalculatorPersonal Loan Calculator with AmortizationPersonal Loan Monthly Payment CalculatorDebt Consolidation Loan CalculatorSmall Business Loan CalculatorLoan Amortization CalculatorLoan Amortization Schedule with Extra PaymentsAmortization Schedule Extra PrincipalLoan Payoff CalculatorEarly Loan Payoff CalculatorLoan Interest CalculatorLoan Payment CalculatorRemaining Loan Balance CalculatorBiweekly Loan Payment CalculatorSimple Interest Loan CalculatorRefinance Loan CalculatorMotorcycle Loan CalculatorRV Loan CalculatorBoat Loan CalculatorSolar Loan CalculatorHome Improvement Loan CalculatorLoan Calculator with Balloon PaymentLoan Comparison CalculatorLoan Calculator with APRFixed Rate Loan CalculatorVariable Rate Loan CalculatorLoan Calculator with PrepaymentLoan Deferment CalculatorLoan Calculator by Monthly PaymentLoan Term CalculatorLoan Calculator with PMILoan Calculator with Fee