Amortisation Calculator
Shows how each year of payments splits between interest and principal, and what you still owe at any point.
Remaining balance
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Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Monthly payment —
Principal paid so far —
Interest paid so far —
Year by year
The formula
balance = P(1 + i)^k − payment × ((1 + i)^k − 1) ÷ i
The balance is the loan grown at the rate, less the payments grown at the same rate.
What to watch out for
On a long loan, most of each early payment is interest, which is why the balance falls slowly at first.
Frequently Asked Questions
How much do I still owe after 5 years?
On 200,000 at 6% over 25 years, 179,864.17. You will have paid 77,316.17 by then.