Mortgage Loan Amortisation Schedule Calculator

Understanding how your loan repayments are structured is key to managing your finances effectively. With any mortgage or fixed-term loan, your repayment schedule is determined by three main factors: the loan amount, the interest rate, and the loan term. Over time, as you make repayments, your loan is gradually paid down through a process known as amortisation. Amortisation refers to the repayment of a loan in equal instalments over a set period. Each payment consists of two parts: the principal (the amount borrowed) and the interest (the cost of borrowing). While your total repayment amount remains the same, the proportion allocated to interest and principal shifts over time. In the early years of the loan, a larger portion of your payment goes towards interest, while towards the end of the loan term, more of your payment goes towards reducing the principal balance. Use our Loan Amortisation Schedule Calculator below to get a detailed breakdown of your repayments. Simply enter your loan details to generate a full amortisation schedule, showing how much of each payment goes towards interest and principal over the life of the loan. Whether you're planning a mortgage, car loan, or personal loan, this tool helps you visualise your repayment journey and make informed financial decisions.