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Amortization Calculator

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.

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2 Vana Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Vana Cash requires you to also open a virtual secured credit card with CFSB that is reported to the credit bureaus. Use money from your Vana Cash account to create a virtual secured credit card. Your debit card purchases are then added up to create a balance on your virtual secured credit card. As you make these purchases, an amount equal to the balance on your virtual secured credit card is also set aside in your Vana Cash account to ensure you can make timely payments to pay off the balance on your virtual secured credit card at the end of each month, allowing you to build a positive payment history. Credit Vana does not guarantee credit score improvement. Any predicted credit improvement from the use of your virtual secured credit card assumes that you will maintain healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.

3 Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

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