📊 Amortization Calculator

Compare normal vs. extra payments payoff

Loan Details

Loan Amount ($) Interest Rate (% annual) Loan Term (months) Extra Monthly Payment ($)

Summary Comparison

Scenario	Monthly Payment	Total Paid	Total Interest	Payoff Time

Balance Comparison Over Time

Amortization Schedule (with extra)

#	Payment	Principal	Interest	Balance

Why Compare?

The blue curve shows how long it takes to pay off your loan with the standard monthly payment. The green curve shows how extra payments shorten the payoff time and reduce total interest.