Amortization Calculator
See a complete month-by-month or year-by-year breakdown of every payment — exactly how much goes to principal vs. interest.
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💡 Front-Loaded Interest
In early years, most of each payment goes to interest — not principal. On a 30-year loan at 6.875%, your first payment is roughly 75% interest. By year 20, that flips. This is why extra payments are so powerful early on.
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Full Amortization Schedule
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| Year | Annual Payment | Principal Paid | Interest Paid | Remaining Balance |
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