Loan Amortization Calculator
See how your loan is paid down over time with a detailed breakdown.
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Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
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Najczęściej zadawane pytania
What is an amortization schedule?
An amortization schedule shows each loan payment split into principal and interest, plus the remaining balance after each payment.
Why does interest decrease over time?
Interest is calculated on the remaining balance. As you pay down principal, the balance decreases, so less interest accrues.
How can I pay less interest?
Make extra principal payments, choose a shorter loan term, or refinance to a lower interest rate.