An amortization schedule shows how each payment splits between principal and interest and how your balance declines over time. Early payments are mostly interest; late payments are mostly principal. The Amortization tab lays it out year by year.
How this calculator works
Enter your numbers and the monthly payment recalculates instantly — no submit button, no page reload. The payment breakdown separates principal, interest, taxes, insurance, PMI and HOA. Use the tabs to view a full amortization schedule, compare scenarios side by side, or work backward from a monthly budget. Your inputs are encoded in the page link so you can bookmark or share a scenario without any account.