Amortization Schedule Generator
Generate a dated amortization schedule for any loan with monthly, biweekly, weekly, quarterly or annual payments, and export it to CSV.
Your inputs
Results
Scheduled payment
$860.66
- Total interest
- $327.96
- Total paid
- $10,327.96
- Payments made
- 12
- Final payment date
- Tuesday, December 15, 2026
✓Exact calculation — rounded only for display
| No. | Date | Payment | Interest | Principal | Balance |
|---|---|---|---|---|---|
| 1 | 2026-01-15 | $860.66 | $50.00 | $810.66 | $9,189.34 |
| 2 | 2026-02-15 | $860.66 | $45.95 | $814.71 | $8,374.63 |
| 3 | 2026-03-15 | $860.66 | $41.87 | $818.79 | $7,555.84 |
| 4 | 2026-04-15 | $860.66 | $37.78 | $822.88 | $6,732.96 |
| 5 | 2026-05-15 | $860.66 | $33.66 | $827.00 | $5,905.96 |
| 6 | 2026-06-15 | $860.66 | $29.53 | $831.13 | $5,074.83 |
| 7 | 2026-07-15 | $860.66 | $25.37 | $835.29 | $4,239.54 |
| 8 | 2026-08-15 | $860.66 | $21.20 | $839.46 | $3,400.08 |
| 9 | 2026-09-15 | $860.66 | $17.00 | $843.66 | $2,556.42 |
| 10 | 2026-10-15 | $860.66 | $12.78 | $847.88 | $1,708.54 |
| 11 | 2026-11-15 | $860.66 | $8.54 | $852.12 | $856.42 |
| 12 | 2026-12-15 | $860.70 | $4.28 | $856.42 | $0.00 |
| Year | Interest | Principal | End balance |
|---|---|---|---|
| 1 | $327.96 | $10,000.00 | $0.00 |
Inputs are never added to links for financial, salary or health calculators.
What this calculator does
This generator produces a full payment-by-payment table with dates, interest, principal and balance. Extra principal per payment is supported.
Formula and method
Worked example
Calculated by this tool with its default inputs:
Inputs
- Loan amount: 10000 (any currency)
- Annual interest rate: 6 %
- Number of payments: 12
- Payment frequency: Monthly
- First payment date: 2026-01-15
- Extra principal per payment: 0 (any currency)
Results
- Scheduled payment: 860.66
- Total interest: 327.96
- Total paid: 10,327.96
- Payments made: 12
- Final payment date: Tuesday, December 15, 2026
How to read the results
Use the yearly totals for tax planning and the full table to check lender statements.
Assumptions and limitations
- Day-count conventions used by some lenders (e.g. actual/365 daily interest) can differ slightly from this periodic model.
Financial results are estimates based on the inputs and assumptions shown. They are not financial advice; confirm figures with your lender, provider or a qualified adviser before making decisions.
Questions
Why does 31 January become 28 February?
Monthly payment dates clamp to the last day of shorter months.
Methodology and verification
- Result type
- Exact mathematical calculation (rounded only for display)
- Formula version
- 1.0
- Automated verification
- 4 reference and validation test cases, checked against independently computed values. The site cannot be built if any of them fail.
- Editorial review
- Awaiting human editorial review. The explanation was drafted with AI assistance; the formula and examples are verified by the automated tests above.
Privacy
Everything you enter is calculated in this browser and is not sent to Numerith or anyone else. Because this calculator can involve personal financial or health details, your inputs are never added to share links or saved to history. Privacy policy