Amortization Schedule Calculator
About this calculator
The Amortization Schedule Calculator accepts a loan in any of five currencies, with the term in years or months, and returns the payment, total payment, total interest and a downloadable CSV of the complete month-by-month schedule. That CSV is the feature to use when you need the entire schedule in a spreadsheet for planning or reporting.
Pick your currency symbol, enter the principal and annual rate and choose whether the tenure is in years or months. The summary appears as soon as you type, and the Download button saves every row of the schedule. Zero-interest loans are handled by dividing the principal evenly.
How to use it
- Choose a currency symbol.
- Enter the Principal and the Annual Interest Rate.
- Enter the Tenure and select years or months.
- Read the payment, total payment and total interest, which update as you type.
- Press Download Full Schedule (CSV) to save every month.
Tips and common mistakes
- Open the CSV in Excel or Google Sheets and add a column for extra payments to model prepayments.
- Use months for short loans, so you do not have to convert 18 months to 1.5 years.
- The tool works for any currency because only the symbol changes.
- Check that your lender uses the same compounding. Most use monthly.
Frequently asked questions
Can I download the schedule?
Yes. The Download button saves a CSV file with every month of the schedule, which you can open in any spreadsheet.
Which currencies are supported?
The selector offers several currency symbols. The calculation is the same in all of them.
Can I enter the term in months?
Yes. Choose months in the unit selector.
What if the interest rate is 0?
The payment is the principal divided by the number of months.
Does the schedule include fees?
No. It covers principal and interest only.
Why do my bank's numbers differ slightly?
Banks round each payment and may treat the first month differently.