Amortization Table with Extra Payments
See how a fixed-rate payment divides into interest and principal over time. Extra payments can accelerate balance reduction, but this mathematical schedule is not a lender’s transaction ledger.
- Runs in your browser
- Nothing is uploaded
- No signup; device limits apply
Numbers stay on your device. Nothing is sent to a server.
Schedules longer than 600 months are capped for display.
How to use this tool
Enter USD principal, annual rate, months and extra monthly payment. The term is limited to 600 months; extra payments are added to the calculated base payment to reduce principal faster.
Results and examples
The headline monthly figure is the base before extras, while schedule rows include them. The CSV exports those displayed rows, including the final balance and any smaller last payment.
Worked example
USD 1,200 at 0% over twelve months has a USD 100 base; adding USD 100 monthly clears it in six payments.
Limitations
- Daily interest, taxes, escrow and fees are excluded.
- Payment dates and lender rounding can change actual amounts.
Fields
| Field | Guidance and constraints |
|---|---|
| Loan amount | Accepted range: 1–100000000 · Input step: 100 |
| Annual interest rate | Accepted range: 0–50 · Input step: 0.01 |
| Term (months) | Schedules longer than 600 months are capped for display. · Accepted range: 1–600 · Input step: 1 |
| Extra monthly payment | Accepted range: 0–100000 · Input step: 10 |
Data handling
Processing stays in the current browser tab; the site does not upload tool input for the calculation itself.
Sources
Frequently asked questions
Why did the headline not increase by the extra?
It shows the base payment; inspect each schedule row for actual payment.
Does the CSV use another calculation?
No. It exports the displayed schedule.
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