About this tool
Build a monthly or yearly schedule showing payments, interest, principal and the remaining balance. Add regular or one-time extra principal, compare scenarios and download the schedule as CSV.
Fixed interest rate, equal monthly periods, no fees or penalties. Enter the interest rate, not APR with fees. Calculations keep full precision; displayed amounts are rounded. Actual lender schedules may differ. Extra payments reduce principal. A one-time payment is applied after the selected regular payment, or immediately for payment 0. This is a monthly model, not a biweekly payment schedule.
Use whole months, up to 100 years. Amounts are limited to 1 trillion and results to 1 quadrillion. All amounts must use the same currency.
Your numbers stay in this browser. Nothing is uploaded or saved after you leave.