// multi-utility computation suite · offline · instant · precise
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fin.loan-amortization Calculator
Calculates the monthly payment, total interest paid, and full amortisation schedule for a fixed-rate loan. In the early years of a mortgage, the majority of each payment is interest — this shows exactly how the ratio shifts over the loan term.
Inputs
Principal
The total sum borrowed. Even a small reduction here compounds into large interest savings over a 30-year term.
Rate
Yearly rate as a percentage. The calculator converts this to the appropriate period rate automatically.
Years
How many years to repay the loan. 15-year terms cost more monthly but far less in total interest. 30-year terms lower monthly payments but increase total cost significantly.
Results
monthly payment
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
total paid
Sum of all payments made — principal plus all interest. Subtract the loan amount to see the pure interest cost.
total interest
Cumulative interest paid over the loan term. Paying even a little extra each month toward principal can save tens of thousands.
interest ratio
The proportional relationship between two quantities.