Loan payoff & amortization schedule calculator
See your full month-by-month schedule, find out how much interest you save with extra payments, and download the result to Excel, CSV or PDF in one click — free, no sign-up.
Build your payoff schedule
Amortization schedule
| # | Date | Payment | Principal | Interest | Extra | Balance |
|---|
Estimates only, not a loan offer. Excludes taxes, insurance and fees unless entered. See our disclaimer.
The one amortization tool you can actually download
Most mortgage and loan calculators show you a schedule on screen and stop there — if you want it in a spreadsheet, you are sent to a blank template to re-type everything yourself. PayoffSchedule.com exports the exact schedule you just calculated: a formatted Excel workbook with a summary tab, a clean CSV for your own analysis, or a printable PDF to bring to your lender or keep for taxes.
What you can model
- Extra payments — add a fixed amount to every payment and watch the payoff date move up.
- One-time lump sum — apply a bonus or tax refund at any point in the loan.
- Biweekly plan — pay half the monthly amount every two weeks (26 payments a year) to make one extra payment annually.
- Any fixed-rate loan — mortgage, auto, personal or student, all in one calculator.
Every schedule includes the columns lenders' free tools usually skip — beginning balance,
cumulative interest and cumulative principal — so you can track exactly how your equity
grows and how much interest is deductible each year.
Pick your calculator
Mortgage payoff calculator
Extra payments, lump sums and your real payoff date.
Auto loan payoff calculator
Pay off your car loan faster and see the interest saved.
Biweekly mortgage calculator
Compare biweekly vs monthly payments side by side.
Extra payment calculator
How much does $100, $200 or $500 extra a month save?
Amortization schedule
Full table for any loan, downloadable to Excel/PDF.
Frequently asked questions
- Is this payoff schedule calculator free?
- Yes. Every calculator and every download (Excel, CSV and PDF) is completely free, with no sign-up required.
- Can I download my amortization schedule to Excel?
- Yes — this is what makes PayoffSchedule different. One click exports your exact, just-calculated schedule to a formatted .xlsx workbook (with a summary tab), a clean .csv, or a printable PDF. You do not need to own a template or re-type your numbers.
- Does adding extra payments really save money?
- Yes. Extra principal payments shorten the loan term and cut total interest, because interest is charged on the remaining balance. The calculator shows exactly how much interest and time you save versus the standard plan.
- Does the calculator work for car loans too?
- Yes. Switch the loan type to Auto, Personal or Student. The same engine handles any fixed-rate amortizing loan, with sensible term presets for each.
- Is my information saved or sent anywhere?
- No. All calculations happen entirely in your browser. Nothing you type is uploaded to a server.