Sheet 12 - Tools · TL-006DWG SP-2026-18

Loan Amortization Calculator.

The monthly payment is the advertisement — the total interest is the price. Annuity schedule, year by year, plus what an extra monthly payment actually saves. Runs in your browser, nothing leaves your device.

The loan

Currency

Loan amount

Annual rate (%)

Flat annuity — fixed rate, equal monthly payments.

Tenor (months)

Extra payment / month (optional)

Added straight to principal. Watch the interest column shrink.

OutputTL-006/B

Monthly payment–

Total interest–

Total paid–

Interest share

Year	Principal	Interest	Balance

Method

monthly paymentP × r(1+r)ⁿ ÷ ((1+r)ⁿ − 1)

extra paymentsgo entirely to principal, shortening the schedule

Assumes a fixed rate and no fees, penalties, or early-repayment charges — real loan contracts often have all three. Not financial advice.

Debt is a negative position. Track it.

Sidepick Ledger records liabilities next to assets — net worth is the only scoreboard that matters.

View Ledger · $19