Every mortgage payment splits between principal and interest, and that split shifts every month — this home amortization calculator maps out the full schedule so you can see exactly how. This home amortization calculator generates a full month-by-month schedule for your mortgage, showing exactly how much of each payment goes toward principal versus interest, along with your remaining balance after every payment. Early payments go mostly toward interest, and that split gradually shifts toward principal as the loan matures.
US Home Loan Amortization Calculator
Calculate your monthly mortgage payments, total interest, and full US amortization schedule.
Payment Breakdown (PITI)
Amortization Schedule (Year-by-Year)
| Year | Principal Paid | Interest Paid | Total Paid | Remaining Balance |
|---|
Seeing your full schedule makes it clear why extra payments made early in a loan save more interest than the same payment made later — our article on understanding your mortgage amortization schedule explains this in more depth. If you’re considering refinancing to change your schedule, our article on mortgage refinancing: when it makes sense can help you decide, and our home equity calculator shows how your balance reduction translates into ownership over time.