Capital Decision Toolkit

Amortization Table

Understand the exact breakdown of principal and interest over your term.

💰
Loan Amount
Principal borrowed
Amount $250,000
$
$10K$2M
📈
Interest Rate
Annual percentage rate
APR 8.5%
%
1%40%
📅
Term & Schedule
Length and payment cadence
Loan Term 60 months
mo
6 mo360 mo
Payment Schedule
Bi-weekly = 26 payments/year — can reduce total interest significantly.
Loan Summary
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Monthly Payment
—
per period
Total Repayment
—
Principal + interest
Total Interest
—
True cost of capital
Interest as % of Loan
—
Cost efficiency
Crossover Period
—
Principal > interest
Total Payments
—
Number of payments
Halfway Point
—
50% of balance repaid
First Year Interest
—
Year 1 cost of capital
Cost per $1 Borrowed
—
Efficiency metric
Principal vs. Interest — Total Split
—% principal
—% interest
Schedule
Period
Payment
Principal
Interest
Balance
Split
Period Payment Principal Interest Prin % Balance
Showing 1–24 of 60
What this table tells you
› Early payments are heavily weighted toward interest — most of your first-year payments build little equity
› The crossover point marks when principal exceeds interest in each payment — a key equity milestone
› Refinancing before the crossover point means paying interest twice on the same principal
› Higher rates dramatically inflate total interest — compare the split bar as you adjust
How to use this strategically
› Extra principal payments in early months eliminate interest from every row below them
› Bi-weekly payments create one extra monthly equivalent per year — reducing term and total interest
› Compare two loans by total interest — not monthly payment — to see the true cost difference
› Use this table when evaluating prepayment — verify the penalty is less than the interest you'd eliminate
This table uses standard amortization math: each payment = fixed amount, with interest computed on the remaining balance each period. Bi-weekly is calculated as 26 payments per year. Actual lender schedules may vary slightly due to rounding conventions, origination dates, or irregular first periods. Consult your loan agreement for the authoritative schedule.