UlvixorLoan Amortization Schedule Generator
Generate a loan's full amortization schedule, payment by payment, showing how much of each payment goes to principal versus interest, and the remaining balance after each one. Download the complete schedule as a CSV file.
How it works
- Enter the loan amount, the annual interest rate, and the term in months.
- The tool calculates the fixed monthly payment using the standard amortization formula (the same one the Loan Calculator uses).
- For each payment, interest is calculated on the outstanding balance, subtracted from the fixed payment to get the principal portion, and the remaining balance is updated.
- The result is shown as a scrollable table with one row per payment.
- Download the complete schedule as a CSV file to open in Excel or Google Sheets.
Use cases
- See exactly how much of each loan or mortgage payment goes to interest in the early years.
- Plan extra principal payments by knowing the exact balance at any future payment.
- Compare how the principal/interest split changes between a short-term and a long-term loan.
- Export the amortization schedule to a spreadsheet for further analysis or payment tracking.
Common mistakes
- Expecting the principal portion to be the same across every payment.In standard (fixed-payment) amortization, the total payment doesn't change, but early on most of it is interest, and the principal portion grows with every payment as the outstanding balance shrinks.
- Entering a very long term in months without realizing it, for example typing 360 thinking in years instead of months.The term field expects the number of monthly payments directly. For a 30-year loan, enter 360 (30 × 12), not 30.
- Noticing a tiny cent difference in the final balance and thinking it's a calculation error.The last payment automatically adjusts the principal so the balance lands exactly on zero, absorbing any rounding drift accumulated from earlier payments; that's expected behavior, not a bug.
Frequently asked questions
It's the payment-by-payment breakdown of a loan, showing how much of each payment is interest, how much is principal, and what the remaining balance is after that payment, down to a zero balance on the last one.
Each payment's interest is calculated on the outstanding balance at that point. Since the balance is higher early on, so is the interest; as the balance drops, a larger share of each fixed payment goes toward principal.
Yes, this tool supports up to 600 payments (50 years), a generous limit for any real personal, auto, or mortgage loan.
No. The entire amortization schedule calculation happens locally in your browser using JavaScript. No data is sent to or stored on any server.
Alternatives
Excel and Google Sheets can build an amortization schedule by combining the PMT, IPMT, and PPMT functions, though you have to set up the formula correctly for each column. This tool generates the full schedule instantly, with the option to export it to CSV if you want to keep working in a spreadsheet.