justyourcalculatorMortgage Amortization Calculator
Every mortgage payment split into principal and interest, month by month.
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Mortgage Amortization Calculator
Your mortgage's full amortization schedule
Paid with every 12th payment.
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How the mortgage amortization calculator works
Each mortgage payment is the same, but the split changes. Interest is the balance times the monthly rate (annual rate / 12); the rest goes to principal. On a 30-year loan at today's rates, most of each payment is interest for the first decade or more.
The schedule lists every payment with its interest, principal and remaining balance, and totals them by year. Add extra payments, or switch to biweekly, to see how quickly the balance falls and how much interest you save.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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Primary references and further reading
Reference links help you check assumptions; they do not mean the publisher has reviewed or endorsed this calculator.