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    What Is This Tool?

    The Amortization Calculator shows how loan payments reduce a balance over time. It helps borrowers check first-year interest and principal, the balance after five years and the effect of extra monthly payments.

    Privacy and Security

    The numbers you enter in the Amortization Calculator (loan amount, interest rate, term and so on) are calculated in your browser. They are not sent to or saved on Adobe IQ servers, and they disappear when you close the page.

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    How to use this tool

    • Enter your loan amount and interest rate.
    • Fill in the remaining fields of the Amortization Calculator.
    • Read your monthly payment and interest in year 1 instantly.

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    All Calculators

    Amortization Calculator

    Shows how the first year splits between interest and principal, and what extra payments save.

    Result

    Monthly payment
    $1,580.17
    Interest in year 1
    $16,094.92
    Principal in year 1
    $5,267.12
    Balance after 5 years
    $234,027.44
    Months to payoff
    265
    Total interest
    $221,243.10
    Interest saved by paying extra
    $97,618.12