Kalkulator amortyzacji

Wygeneruj pełny harmonogram amortyzacji pokazujący rozkład płatności w czasie.

Twoje dane

$
$

Enter your loan details to see a complete amortization schedule and payment breakdown.

Kompletny podręcznik użytkownika

What is an Amortization Schedule?

An amortization schedule shows how each payment is split between principal and interest over the life of the loan. Early payments are mostly interest; later payments are mostly principal. This calculator generates a full schedule and lets you add optional extra monthly payments to see how much interest and time you can save.

Monthly Payment = P × [r(1+r)^n] ÷ [(1+r)^n − 1]

P = principal, r = monthly rate, n = number of payments

Interest for each period = balance × monthly rate. Principal = payment − interest. New balance = previous balance − principal.

Kluczowe pojęcia

Główny

The amount you borrowed. Each payment reduces the principal until the balance is zero.

Odsetki

The cost of borrowing. Early in the loan, most of each payment is interest; over time, more goes to principal.

Dodatkowe płatności

Any amount paid beyond the required payment goes directly to principal, reducing the balance faster and saving interest.

Jak korzystać z tego kalkulatora

  1. Enter the loan amount, annual interest rate, and term in years.
  2. Optionally set the start month and year for the first payment.
  3. Optionally enter an extra monthly payment to see interest and time saved.
  4. Click Calculate Schedule to see the monthly payment, payoff date, total interest, and full schedule.
  5. Switch between Monthly and Yearly views to see the amortization table.
  6. Review the breakdown and balance charts and the Complete User Guide below.

Zrozumienie wyników

Monthly payment

The fixed amount you pay each month. It stays the same; the split between principal and interest changes over time.

Payoff date

The date the loan balance reaches zero. With extra payments, this date is earlier than the original term.

Total interest

The sum of all interest payments over the life of the loan. Extra payments reduce this amount.

Schedule table

Each row shows payment number, date, payment amount, principal, interest, and remaining balance. Use Monthly or Yearly view.

Zrozumienie wykresów

Breakdown chart

Shows the total amount paid split into principal vs interest. You can see at a glance how much of your total payments go to interest.

Balance chart

A line chart of the remaining balance over time. The curve shows how the balance decreases; with extra payments, the line drops faster.

Ważne uwagi

  • This is for estimation only. Actual schedules may vary with rounding or lender policies.
  • Most fixed-rate loans (mortgages, auto, personal) use amortization. Some loans have different structures.
  • Confirm with your lender that extra payments are applied to principal and do not incur penalties.

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