The loan calculator gives you the headline numbers; this page gives you the whole story — every month of the loan in one table: how much of each installment is interest, how much repays principal, and what remains owed afterwards. Print it, download it as CSV for your spreadsheet, or use it to check the plan your bank handed you.
Fill in amount, rate and term to generate the table.
Informational amortization plan — your bank’s contractual plan is the binding one; day-count conventions and fees can shift figures slightly.
How it works
Each row applies one month of the annuity: interest equals the remaining balance times the monthly rate (annual ÷ 12), the rest of the installment reduces the balance, and the final row absorbs the rounding so the balance ends at exactly zero. On 10,000 at 7.5% for 3 years, the first month carries 62.50 of interest; the last, 1.93.
Multi-year loans get yearly subtotal rows, which are usually what you actually want: how much interest will I pay in year one vs year five? For a mortgage, that comparison explains why early overpayments matter so much — the interest lives at the front of the schedule.
The CSV export contains the same five columns as the table, one row per month, ready for Excel, Google Sheets or your accountant. The print view strips the site chrome and keeps just the table.
Practical examples
Checking the bank’s repayment plan
Banks attach an amortization plan to every loan contract. Recreate it here from amount, rate and term — matching rows confirm the plan is plain annuity; differences reveal built-in fees or a different day-count convention worth asking about.
How much interest in the first year?
For 10,000 at 7.5% over 3 years, the year-1 subtotal shows 645.30 of the 1,198.21 total interest — more than half of it lands in the first of three years. Yearly rows answer budgeting questions the headline totals cannot.
Where will I be after 5 years of a mortgage?
Generate a 25-year schedule and read the balance at month 60 — the number that matters when you plan to sell or refinance. Most people are surprised how little principal early years repay.
A CSV for the family spreadsheet
Download the schedule and paste it next to your budget. Marking paid months against the plan is the simplest loan-tracking system there is.
Frequently asked questions
Why does the interest column shrink every month?
Interest is charged on what you still owe. Every installment reduces that balance a little, so next month’s interest is smaller and more of the same installment goes to principal — the defining behavior of annuity loans, visible line by line here.
Why is my bank’s plan a few dinars different?
Banks may count actual days rather than flat twelfths (365/360 conventions), round differently, or fold monthly fees into the installment. Small drifts are normal; a systematically higher installment means costs beyond pure interest.
What happens to the schedule if I pay extra?
This table assumes contractual payments only. Extra payments shorten the tail of the schedule and cut total interest — model exactly that in our early-repayment calculator, then regenerate the schedule for the new remaining term if you want the updated table.
Does the last installment differ from the others?
Slightly, by design: rounding each month to two decimals leaves a residual of a few cents/paras, and the final row settles it so the balance lands on exactly zero. Banks do the same.
Can I generate a schedule for a 30-year mortgage?
Yes — up to 50 years (600 rows). Long tables get yearly subtotals for readability, the CSV always contains every month, and printing uses the site’s print layout.
Which rate should I enter, NKS or EKS?
NKS (nominal). The schedule models interest only; EKS additionally encodes fees that don’t follow the amortization pattern. Comparing this table against the bank’s confirms whether their plan is fee-free.
Is the CSV in my language?
The column headers follow the language of the page you download from — Serbian headers on the Serbian page, English here. Numbers use plain dot decimals in the file so every spreadsheet parses them.
Do my loan details leave the browser?
No — table, print and CSV are all generated locally. Nothing about your loan is uploaded or recorded.
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