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Mortgage Amortization Calculator – Generates a full payment-by-payment schedule of...

The Mortgage Amortization Calculator generates a full payment-by-payment schedule of interest and principal for a mortgage. This free Mortgage Amortization Calculator gives you an instant, accurate result without requiring an account, spreadsheet, or financial expertise. Enter your numbers and see exactly what the formula produces.

The formula behind this calculator: Each payment's interest = remaining balance x monthly rate; remaining amount reduces the principal balance. As a practical example: On a $250,000 mortgage at 6.5% over 30 years, principal doesn't exceed half the payment until around year 20. All results are calculated instantly in your browser — no data is stored or transmitted.

Mortgage Amortization Calculator FAQ

What does the Mortgage Amortization Calculator calculate?

Generates a full payment-by-payment schedule of interest and principal for a mortgage.

Can I use this for tax planning?

For general estimation only. Tax laws are complex and change annually — consult a tax professional for specific advice.

Is the result an exact figure I can give to a lender?

No — it's an estimate based on the inputs provided. Actual loan terms, rates, and fees from a lender may differ. Use this to understand the range and compare options before applying.

Does this work on mobile?

Yes — fully responsive and optimised for smartphones, tablets, and desktop browsers.