Loan Amortization Schedule Calculator
Generate a complete loan amortization schedule showing principal, interest, and balance for every payment. Free amortization table calculator.
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Why do I pay more interest at the beginning of a loan?
Interest is calculated on the remaining balance. At the start, your balance is highest, so most of your fixed payment covers interest. As you pay down the principal, less interest accrues each month, and more of your payment goes toward principal. This is why making extra payments early in a loan saves the most interest over time.
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