Amortization calculator

See the repayment curve, not just the headline payment.

This page focuses on the shape of the loan over time. It is useful after a refinance, during a renewal decision, or whenever a buyer wants to compare monthly versus accelerated frequencies.

Supports monthly, weekly, biweekly, and accelerated frequencies.
Shows recurring payment, total interest, and the first amortization rows.
Useful for both new purchase loans and existing balances.
Inputs
Loan and schedule settings
This page focuses on the payoff curve rather than purchase inputs, which makes it useful for renewals and refinance planning too.
Results
Amortization summary
The table below shows how principal overtakes interest over time.

Recurring payment

$3,703

monthly

Monthly equivalent

$3,703

Useful when comparing frequencies side by side

Total interest

$460,931

Across the full payoff timeline

Estimated payoff

25.0 years

300 total payments

Total cost of the loan
$1,110,931
Schedule rows shown
18
Schedule
First payments
Early rows make it easier to see how much of each payment still goes to interest.
PeriodPaymentPrincipalInterestBalance
1$3,703$1,134$2,569$648,866
2$3,703$1,139$2,565$647,727
3$3,703$1,143$2,560$646,584
4$3,703$1,148$2,556$645,437
5$3,703$1,152$2,551$644,285
6$3,703$1,157$2,546$643,128
7$3,703$1,161$2,542$641,967
8$3,703$1,166$2,537$640,801
9$3,703$1,170$2,533$639,631
10$3,703$1,175$2,528$638,456
11$3,703$1,180$2,523$637,276
12$3,703$1,184$2,519$636,092
13$3,703$1,189$2,514$634,903
14$3,703$1,194$2,509$633,709
15$3,703$1,198$2,505$632,511
16$3,703$1,203$2,500$631,307
17$3,703$1,208$2,495$630,100
18$3,703$1,213$2,490$628,887
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Assumptions
How this version behaves
The inputs are flexible, but the rules are intentionally explicit so the outputs stay interpretable.
This page does not include property tax, condo fees, or heating because it is isolating the loan schedule itself.
The schedule uses Canadian mortgage math with semi-annual compounding.
Accelerated frequencies intentionally overpay versus a standard monthly cadence and reduce the effective payoff time.
Related
Keep the workflow moving
These companion calculators answer the next question buyers usually ask.

Mortgage math

Mortgage Payment

Estimate mortgage payments, insurance, and monthly carrying costs using Canadian mortgage math.

Budget guardrails

Affordability

See how much home you can support using GDS, TDS, down payment, and the stress test.

Equity planning

Refinance

Compare refinance payments, accessible equity, and a simple penalty estimate.

FAQ
What buyers usually ask next
This content is there to make each calculator page useful as a landing page, not just a widget shell.