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Mortgage Amortization Schedule Calculator - Principal & Interest Breakdown
Calculate your complete mortgage loan amortization schedule. See how monthly payments split between interest and principal over 15 to 30 year terms.
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Continue to Free Tool / Download →Understanding Mortgage Amortization & Principal Schedules
In standard fixed-rate mortgages, the monthly payment remains identical throughout the loan term, but the proportion dedicated to interest versus principal shifts dramatically over time.
Monthly Payment Amortization Formula
M = P * [ r(1 + r)^n ] / [ (1 + r)^n - 1 ]- M: Total monthly mortgage payment
- P: Principal loan amount borrowed
- r: Monthly interest rate (Annual rate / 12)
- n: Total number of monthly payments (Years * 12)
| Loan Period | Principal Allocation | Interest Allocation | Remaining Balance |
|---|---|---|---|
| Year 1 - 5 | 22% - 35% | 65% - 78% | Gradual reduction |
| Year 15 - 20 | 55% - 68% | 32% - 45% | Accelerated reduction |
| Year 25 - 30 | 80% - 95% | 5% - 20% | Rapid payoff |
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