Generate a full payment schedule showing principal, interest and balance.
Added to every monthly payment
Monthly payment
$1,896.20
360 payments · $382,633.47 total interest
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $22,754.45 | $3,353.18 | $19,401.27 | $296,646.82 |
| 2 | $22,754.45 | $3,577.74 | $19,176.70 | $293,069.08 |
| 3 | $22,754.45 | $3,817.35 | $18,937.10 | $289,251.73 |
| 4 | $22,754.45 | $4,073.01 | $18,681.44 | $285,178.72 |
| 5 | $22,754.45 | $4,345.79 | $18,408.66 | $280,832.93 |
| 6 | $22,754.45 | $4,636.83 | $18,117.62 | $276,196.10 |
| 7 | $22,754.45 | $4,947.37 | $17,807.08 | $271,248.73 |
| 8 | $22,754.45 | $5,278.70 | $17,475.75 | $265,970.03 |
| 9 | $22,754.45 | $5,632.23 | $17,122.22 | $260,337.81 |
| 10 | $22,754.45 | $6,009.43 | $16,745.02 | $254,328.38 |
| 11 | $22,754.45 | $6,411.89 | $16,342.56 | $247,916.49 |
| 12 | $22,754.45 | $6,841.31 | $15,913.14 | $241,075.18 |
| 13 | $22,754.45 | $7,299.48 | $15,454.97 | $233,775.70 |
| 14 | $22,754.45 | $7,788.34 | $14,966.11 | $225,987.36 |
| 15 | $22,754.45 | $8,309.94 | $14,444.51 | $217,677.42 |
| 16 | $22,754.45 | $8,866.47 | $13,887.98 | $208,810.95 |
| 17 | $22,754.45 | $9,460.28 | $13,294.17 | $199,350.68 |
| 18 | $22,754.45 | $10,093.85 | $12,660.60 | $189,256.83 |
| 19 | $22,754.45 | $10,769.85 | $11,984.60 | $178,486.98 |
| 20 | $22,754.45 | $11,491.13 | $11,263.32 | $166,995.85 |
| 21 | $22,754.45 | $12,260.71 | $10,493.74 | $154,735.14 |
| 22 | $22,754.45 | $13,081.83 | $9,672.62 | $141,653.30 |
| 23 | $22,754.45 | $13,957.95 | $8,796.50 | $127,695.36 |
| 24 | $22,754.45 | $14,892.74 | $7,861.71 | $112,802.62 |
| 25 | $22,754.45 | $15,890.13 | $6,864.32 | $96,912.49 |
| 26 | $22,754.45 | $16,954.32 | $5,800.13 | $79,958.16 |
| 27 | $22,754.45 | $18,089.79 | $4,664.66 | $61,868.38 |
| 28 | $22,754.45 | $19,301.29 | $3,453.16 | $42,567.08 |
| 29 | $22,754.45 | $20,593.94 | $2,160.51 | $21,973.15 |
| 30 | $22,754.45 | $21,973.15 | $781.30 | $0.00 |
What this assumes
A mortgage
30-year schedule
300000With overpayments
See the months saved
200A car loan
A shorter schedule
25000Amount, rate and term produce the full schedule immediately.
Any regular overpayment shows how much time and interest it saves.
Download as CSV for a spreadsheet, or copy the summary figures.
Early payments are mostly interest. Seeing the split payment by payment explains why paying down a loan feels slow at first.
A modest monthly extra can remove years from a mortgage. The tool shows exactly how many payments and how much interest it saves.
The final payment is trimmed to the outstanding balance, so the schedule reconciles precisely rather than drifting by a few pennies.
See every payment of a loan laid out: how much goes to interest, how much reduces the balance, and what remains outstanding. The pattern is the point — early payments are almost entirely interest, and the crossover to mostly-principal comes surprisingly late. Extra payments can be modelled to see how many months they remove and how much interest they save, which is usually the most persuasive argument for overpaying. The schedule exports as CSV.
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