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Amortization schedule calculator
Generate a complete amortization table for any loan and download it to Excel, CSV or PDF — including the cumulative columns most free tools leave out.
Build your amortization 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.
A downloadable schedule, not a blank template
Search for "amortization schedule Excel" and you mostly find empty templates that make you re-enter every number yourself. This calculator does the opposite: it builds the schedule from your inputs and lets you download the finished result — a formatted Excel workbook (with a summary tab), a clean CSV for your own analysis, or a printable PDF.
What's in each row
Every line of the schedule shows:
- Beginning balance — what you owe before the payment.
- Payment, principal and interest — how the payment splits.
- Extra — any additional principal you applied.
- Ending balance — what you owe after.
- Cumulative interest and principal — running totals for tax and equity tracking, which most free schedules omit.
Add extra payments or switch to a biweekly plan above and the schedule — and the download —
update to match, so you can compare scenarios and keep whichever you like.
Frequently asked questions
- What is an amortization schedule?
- An amortization schedule is a table showing every payment over the life of a loan, split into principal and interest, with the running balance. It shows exactly how a loan is paid down over time.
- How do I download an amortization schedule to Excel?
- Enter your loan details above and click the Excel button. You get a formatted .xlsx workbook with a summary tab and the full schedule — no template or re-typing needed. CSV and PDF downloads are also one click.
- Why is so much of my early payment interest?
- Interest is charged on the outstanding balance, which is highest at the start. So early payments are mostly interest and little principal. As the balance falls, the split steadily shifts toward principal.
- Does this work for any loan?
- Yes — any fixed-rate amortizing loan: mortgage, auto, personal or student. Switch the loan type above and the term presets adjust automatically.