--- title: "Amortization Schedule Calculator with CSV | CanDoYa" description: "Build a dated amortization schedule with principal, interest, extra payments, annual summaries and CSV export. Free, private and instant." url: https://candoya.com/tools/amortization-schedule/ locale: en type: browser-tool --- # Free Amortization Schedule Calculator Category: Calculators ## What is an amortization schedule? An amortization schedule is a payment-by-payment table for a loan. It shows how much of each fixed payment goes to interest, how much reduces principal and what balance remains. This calculator adds real payment months, optional extra principal, yearly summaries and a CSV export you can keep or analyze. The calculator uses the standard fixed-rate payment formula, then recalculates interest from the outstanding balance each month. Everything runs **in your browser**, so loan figures are not uploaded. The output is currency-agnostic: enter dollars, euros or another currency and read every amount in that same currency. ## How to use it 1. **Enter the loan terms** - Add the amount, fixed annual interest rate and term in years. Choose the month of the first payment if you want dated rows. 2. **Model extra principal** - Optionally enter an additional amount paid toward principal each month. The payoff estimate and every later row update immediately. 3. **Review or export the schedule** - Switch between monthly detail and yearly summaries, then download the complete monthly schedule as a CSV file. ## Who it's for - **Borrowers comparing terms** who want to see the full interest cost, not only a monthly payment. - **Home and car buyers** checking how the principal-interest split changes over time. - **People making extra payments** who want an estimate of interest saved and an earlier payoff month. - **Spreadsheet users** who need a clean CSV schedule for budgeting or further analysis. ## Expert note The regular payment stays based on the original term even when you add extra principal. Because the extra amount lowers the balance before the next month's interest is calculated, its benefit compounds through the remaining schedule. Real lender statements can differ because of payment timing, daily interest, rounding rules and fees. ## Frequently asked questions ### Is this amortization schedule calculator free? Yes. You can calculate, compare and export schedules without signing up or paying. There is no usage limit built into the page, and the full calculation runs locally in your browser. ### Are my loan details uploaded? No. The amount, rate, term and extra-payment figure stay on your device. The calculator uses client-side JavaScript and does not send those values to a server. ### How many payments can the schedule include? The calculator supports terms up to 50 years, or 600 monthly periods. The preview starts with 12 rows to stay readable, while CSV export always includes the complete calculated schedule. ### How is the monthly payment calculated? For a fixed-rate loan, payment equals P times r times (1+r)^n, divided by ((1+r)^n - 1). P is principal, r is the monthly rate and n is the payment count. At 0% interest, payment is simply principal divided by n. ### How do extra payments change an amortization schedule? Extra payments reduce principal after that month's interest is calculated. The next month begins with a smaller balance, so less interest accrues. Keeping the original scheduled payment can therefore shorten the loan and lower total interest. ### Why might my lender's schedule be different? This is a planning estimate based on equal monthly periods and a fixed nominal rate. A lender may use daily interest, different rounding, payment dates, fees, escrow, insurance or prepayment rules. Check the loan agreement for the official figures. ### What does the CSV file contain? The export includes every payment number and date, total payment, principal, interest, extra principal and remaining balance. It opens in common spreadsheet apps for filtering, charting or personal record keeping. ## Related tools - [Loan Calculator with Amortization Schedule](https://candoya.com/tools/loan-calculator/) - [Mortgage Overpayment Calculator](https://candoya.com/tools/mortgage-overpayment/) - [Mortgage Calculator with Taxes, Insurance & PMI](https://candoya.com/tools/mortgage-calculator/) - [Auto Loan Calculator](https://candoya.com/tools/auto-loan-calculator/) - [Compound Interest Calculator](https://candoya.com/tools/compound-interest/) --- *Markdown edition of , published for AI agents and other automated readers. Index of key pages: .*