Amortization Calculator

Understand your loan payments clearly with CreditVana’s Amortization Calculator. Enter your loan amount, APR, and term to generate a full schedule showing principal vs. interest and your remaining balance after each payment.
In addition, use it to compare scenarios for mortgages, auto loans, and personal loans. This helps you align results with your budget and payoff goals.

Why this matters: amortization front-loads interest. Our tool reveals how payments evolve, so you can choose smarter terms and plan extra payments. It also estimates total interest saved over time.
Moreover, pair your results with credit insights from the CreditVana app. Check your credit score for free to see where you stand before applying and learn how to improve it faster.

Planning a new loan?


Start by comparing personal loans side by side. Then, model options with this calculator and explore related tools — such as our Personal Loan Calculator and Mortgage Calculator — to validate monthly affordability.
If you’re consolidating balances, run payoff timelines first. After that, explore debt consolidation loans to confirm how a shorter term affects total interest.

Shopping for credit cards to move debt?
Evaluate timelines with our Credit Card Payoff Calculator and explore partner offers at CreditCardBroker.com.

Pro tips:

  • Make one extra principal payment each year to reduce total interest.

  • Shorter terms raise monthly payments but can cut thousands in interest.

  • Set credit score monitoring with CreditVana Credit Monitoring to receive real-time alerts when new accounts report.