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Amortization Schedule, Free Printable PDF
An amortization schedule shows how each payment splits between principal and interest over the life of a loan. Early payments are mostly interest; later payments chip away at principal faster. This page walks through a $250,000 loan at 6.5% over 30 years so you can see that shift row by row.
Use the controls below to enter your own balance, rate, and term. Download a multi-page PDF or CSV with every payment, or switch to annual summary for long terms. Your loan figures never leave your browser.
This is an estimate for planning — actual loans may include escrow, fees, insurance, and lender rounding rules this tool does not model. Not financial advice.
Loan:$250,000.00 at 6.5% for 30 years (monthly)
Monthly payment:$1,580.17
Total interest:$318,861.58· Payments:361
| # | Payment | Principal | Interest | Extra | Balance |
|---|---|---|---|---|---|
| 1 | $18,962.04 | $2,794.31 | $16,167.73 | $247,205.69 | |
| 2 | $18,962.04 | $2,981.45 | $15,980.59 | $244,224.24 | |
| 3 | $18,962.04 | $3,181.11 | $15,780.93 | $241,043.13 | |
| 4 | $18,962.04 | $3,394.18 | $15,567.86 | $237,648.95 | |
| 5 | $18,962.04 | $3,621.47 | $15,340.57 | $234,027.48 | |
| 6 | $18,962.04 | $3,864.03 | $15,098.01 | $230,163.45 | |
| 7 | $18,962.04 | $4,122.80 | $14,839.24 | $226,040.65 | |
| 8 | $18,962.04 | $4,398.91 | $14,563.13 | $221,641.74 | |
| 9 | $18,962.04 | $4,693.51 | $14,268.53 | $216,948.23 | |
| 10 | $18,962.04 | $5,007.84 | $13,954.20 | $211,940.39 | |
| 11 | $18,962.04 | $5,343.24 | $13,618.80 | $206,597.15 | |
| 12 | $18,962.04 | $5,701.08 | $13,260.96 | $200,896.07 |
Showing first 12 of 31 rows. Download PDF or CSV for the full schedule.
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