Loan Amortization Schedule
Generate a month-by-month payment, principal, interest, and balance schedule
Loan Amortization Schedule — what it does
Generate a month-by-month schedule showing each payment split into principal and interest, with the remaining balance after every instalment, from a loan amount, rate, term and first payment date. The schedule downloads as CSV, which is what makes it usable in a spreadsheet or attachable to an application.
When this tool helps
- Seeing exactly how much of each mortgage or car payment goes to interest rather than principal.
- Producing a repayment schedule to attach to a loan agreement or an application.
- Checking a lender's schedule against an independent calculation before signing.
How to use it
- Enter the loan amount, annual rate and term in years.
- Set the first payment date and currency symbol.
- Calculate the schedule.
- Review the monthly rows and download the CSV.
Accuracy, limits, and good practice
- Early payments are mostly interest and late payments mostly principal — the schedule shows this crossover, which is why early overpayments save so much.
- This models a fixed-rate, equal-instalment loan. Variable rates, fees and payment holidays all shift the real schedule.
- Total interest over the term is the number worth reading; on a long mortgage it is often comparable to the amount borrowed.
Frequently asked questions
Why is my payment mostly interest at the start?
Interest is charged on the outstanding balance, which is at its largest in month one. As the balance falls, the interest share falls with it.
Does it handle extra repayments?
Not directly. Model an overpayment by recalculating with the reduced balance and remaining term from that point.
Are fees included?
No. Arrangement fees, insurance and early-repayment charges are outside the schedule and belong in a separate comparison.
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Everything above runs inside this page. Loan Amortization Schedule needs no account, no upload, and no server round trip — close the tab and nothing is left behind.
貸款攤還明細表能做什麼
依貸款金額、利率、年期與首次還款日，產生逐月明細表，列出每期還款中的本金與利息拆分，以及每期後的剩餘餘額。表格可下載為 CSV，因此能直接放進試算表，或附在申請文件中。
什麼時候用得上
- 看清房貸或車貸每一期究竟有多少繳給了利息、多少還到本金。
- 產出可附在貸款契約或申請書上的還款計畫表。
- 簽約前用獨立計算核對貸款機構提供的攤還表。
使用步驟
- 輸入貸款金額、年利率與年期。
- 設定首次還款日與幣別符號。
- 產生攤還表。
- 檢視逐月明細並下載 CSV。
精確度、限制與實務建議
- 前期繳的多半是利息、後期多半是本金——表格會顯示這個交叉點，這也是提前多還能省下大筆利息的原因。
- 此模型為固定利率、等額本息貸款。浮動利率、費用與寬限期都會改變實際排程。
- 全期總利息是最值得看的數字；長年期房貸的總利息常與本金相當。
常見問題
為什麼一開始幾乎都在繳利息？
利息按未償餘額計收，而第一期的餘額最大。隨著本金下降，利息占比也跟著下降。
可以計入提前還款嗎？
無法直接處理。請以還款後的餘額與剩餘年期重新計算，即可模擬提前還款。
有含手續費嗎？
沒有。開辦費、保險與提前清償違約金不在攤還表內，應另行比較。
本站相關工具
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- 電商利潤計算器 — 估算平台費、廣告成本、淨利與利潤率
- ROI 投資回報率計算 — 計算投資回報率、淨收益與年化回報率
以上步驟全部在這個頁面內完成，貸款攤還明細表 不需要註冊、不上傳檔案、也不經過伺服器，關閉分頁後不會留下任何資料。