Tilgungsplanrechner
The detailed guide below is currently available in English.
What an amortization schedule shows
Each row of the schedule is one loan payment, broken into its two parts. Interest equals the remaining balance multiplied by the monthly rate, and principal is whatever is left of the fixed payment after interest. The balance column shrinks slowly at first, then faster — watch how the split flips around the middle of a typical mortgage.
Using the schedule to make decisions
- Find any future month to see exactly how much you would still owe — useful before selling or refinancing.
- Interest in the early years is enormous on long loans; extra principal paid in those years saves the most.
- Compare terms: a shorter term front-loads principal faster, which shows up as steeper balance declines in the table.
Häufige Fragen
Why is almost all of my first payment interest?
Interest is charged on the full loan balance in month one. On a 30-year loan that balance is at its maximum, so principal reduction starts out tiny and accelerates over time.
How do I model one extra payment per year?
This calculator shows the standard schedule. To see the effect of extra principal, use a mortgage-payoff tool or mentally note that each extra dollar early on removes every future dollar of interest that would have accrued on it.
What date should I enter?
Enter the date of your first payment. The schedule dates every payment from there, and the payoff row shows when the final payment lands.