Generate a complete loan amortization schedule with support for interest-only periods, deferred payments, fixed principal repayment structures, and flexible payment frequencies.

What you'll enter

• Client details (name, account number)
• Loan amount, drawdown date, total term and amortization period (months)
• Annual interest rate (%) and payment frequency (monthly, semi-monthly, biweekly, weekly)
• Interest start date and principal repayment start date (months from drawdown)
• Pre-amortization payment type (interest-only, fixed principal reduction, or no payment/deferral)
• Regular payment structure (blended P+I or fixed principal + interest)
• Optional: custom fixed principal amount, schedule date range, payment rounding

What you'll get

• Complete payment-by-payment amortization schedule showing date, phase, payment amount, interest, principal, and remaining balance
• Summary statistics: regular payment/principal amount, number of interest-only vs. amortizing payments, maturity date
• Total interest paid, total principal paid, and final balance
• Phase indicators showing "Interest Only", "Deferral", or "Amortizing" status for each payment
• CSV export for spreadsheet analysis
• Print-friendly format for client presentations

Notes

• Interest-only periods allow borrowers to pay only interest charges before principal repayment begins.
• Deferred payment (no payment) option compounds unpaid interest into the principal balance.
• Fixed principal structure calculates the regular principal amount based on remaining balance when amortization starts, divided by remaining payments.
• Blended payment structure uses standard amortization formula to create equal payments throughout the amortization period.
• All dates are calculated from the drawdown date. Payment schedule honors the selected frequency (12, 24, 26, or 52 payments per year).
• Results update when you click "Calculate" - review your inputs before generating the schedule.

↓ Scroll down to the calculator to enter your numbers.