See exactly where your
loan is going.
Build precise amortization schedules for any loan or mortgage. Model prepayments, unusual terms, and custom payment frequencies — then export your plan.
See it in action
Watch how quickly you can build a full amortization schedule — from a blank dashboard to a saved loan with payment breakdowns.
Try a sample loan
This is a live, editable schedule. Add extra monthly payments or one-time prepayments and watch the interest saved and payment count update instantly — no sign-up needed.
Sample Mortgage
SampleCA$320,000.00 · 5.49% · 360 months · Monthly · Issued 8/15/2026
| # | Date | Payment | Principal | Balance |
|---|---|---|---|---|
| 1 | Sep 2026 | CA$1,814.92 | CA$350.92 | CA$319,649.08 |
| 2 | Oct 2026 | CA$1,814.92 | CA$352.52 | CA$319,296.56 |
| 3 | Nov 2026 | CA$1,814.92 | CA$354.14 | CA$318,942.42 |
| 4 | Dec 2026 | CA$1,814.92 | CA$355.76 | CA$318,586.67 |
| 5 | Jan 2027 | CA$1,814.92 | CA$357.38 | CA$318,229.28 |
Why calculate your own schedule
Lenders quote a monthly payment and a term. The real story — how much interest you pay, how fast you build equity, and how small changes save years — only shows up when you run the numbers yourself.
Know your true cost
Every payment broken into interest and principal, so you see exactly what the loan really costs — not just the monthly number.
Model prepayments
Add extra monthly payments or one-time lump sums and instantly watch years and interest disappear from your schedule.
Handle real-world terms
Interest-only periods, balloon payments, seasonal schedules, and rate changes — describe them in a note and AI builds the schedule.
Any payment frequency
Weekly, bi-weekly, semi-monthly, monthly, semi-annual, or annual — switch frequencies and compare what each costs.
Export your plan
Download a clean PDF or CSV of the full schedule for your records, your accountant, or your advisor.
Private by default
Your loans are yours alone. Every schedule stays tied to your account — no shared lists, no public data.
What people say
“I shaved four years off my mortgage by testing extra payments here. The AI note for my seasonal payments matched my exact situation — something no other tool could do.”
“Finally a tool that handles interest-only periods and balloons without a spreadsheet. The CSV export made sharing the plan with my advisor trivial.”
“Clear, fast, and honest about interest. For the first time I actually understand where every dollar of my loan is going.”
Start with your first loan
Create a free account and build a full amortization schedule in under a minute.
Sign up now