Full amortization schedule for investment property loans. See how extra payments slash interest and time to payoff.
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Loan Details
Loan Amount / Property Price
$
Down Payment %
%
Interest Rate %
%
Loan Term (years)
Extra Payments
Extra Monthly Payment
$
Extra Annual Payment
$
Base AmortizationCurrent
With Extra Payments
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Monthly P&I
—
base payment
Total Paid
—
full term
Total Interest
—
cost of borrowing
Payoff Date
—
months
Loan Summary
Loan Amount—
Monthly Payment—
Total Payments—
Total Interest—
Paydown Schedule
Year 1 Interest—
Year 1 Principal—
Balance Yr 5—
Balance Yr 10—
Balance Yr 15—
Balance Yr 20—
After plan
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Interest Saved
—
with extra payments
New Payoff
—
months
Time Saved
—
years
Extra Paid
—
total extra
With Extra Payments
Total Monthly Payment—
Total Paid—
Total Interest—
Interest Saved—
Payoff Timeline
Original Payoff—
New Payoff—
Years Saved—
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Enter loan amount, rate, and term. The base schedule shows total interest cost and paydown milestones. Pro Forma shows interest saved by adding extra monthly or annual payments.
Amortization is the process of paying off debt through regular payments over time. Early in a 30-year mortgage, most of each payment goes to interest. Extra principal payments early in the loan have an outsized impact on total interest paid and time to payoff.