Loan Calculator with Amortisation Schedule
Annual Amortisation Schedule
| Year | Beginning Balance | Annual Payment | Capital | Interest | Ending Balance |
|---|
Loan Amortisation Calculator
Our loan amortisation schedule calculator helps you understand the full scope of loan repayments over time. Simply enter the loan amount, interest rate, and loan term (up to 10 years) to see a complete breakdown of the financial commitment.
What this calculator shows you:
- Monthly Repayment Amount: See exactly how much you’ll need to include in your financial budget each month
- Interest repaid: Understand the true cost of your loan beyond the initial capital amount
- Total Repayment: View the total amount you’ll pay over the life of the loan
The annual amortisation schedule provides a year-by-year breakdown of the loan, showing:
- Changes to the initial opening balance each year
- The total amount paid annually
- How much of the payments are allocated against capital and how much is interest, which may be allowable as a business expense
- The remaining loan balance at the end of each year
Whether you’re considering a business loan, car financing, or a short-term mortgage, this calculator provides the information you need to make more informed financial decisions. Loan amortisation schedules are an important tool for business financial management, illustrating the time value of money. If you would like to learn more about the time value of money, take a look at our article:
Note: This loan amortisation schedule calculator is for illustrative purposes only. Please consult with a financial advisor for advice specific to your situation.
