Mortgage Amortization Calculator

Generate a complete mortgage amortization schedule showing every payment breakdown.

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Loan Amount ($)

Annual Interest Rate (%)

Loan Term (years)

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Frequently Asked Questions

Q.What is an amortization schedule?

An amortization schedule lists every mortgage payment, showing how much goes to interest vs principal, and the remaining balance after each payment.

Q.Why does early payments have more interest?

Because interest is calculated on the remaining balance. Early in the loan, the balance is highest — so most of each payment goes to interest.