Mortgage Amortization Schedule — Printable
Generate a complete month-by-month amortization schedule for any mortgage. See how each payment splits between principal and interest, your remaining balance, and total interest paid. Print, export to CSV, or save to PDF — free, private, and instant.
| # | Date | Payment | Principal | Interest | Balance |
|---|
How a Mortgage Amortization Schedule Works
A mortgage amortization schedule is a complete table that shows every monthly payment over the life of your loan, broken down into principal and interest, along with the remaining balance after each payment. Early in a 30-year mortgage, most of each payment goes toward interest; over time, more goes toward principal until the loan is paid off.
This calculator uses the standard amortization formula: M = P × (r(1+r)^n) / ((1+r)^n − 1), where M is monthly payment, P is principal, r is monthly interest rate, and n is total months. The result is a precise schedule that lenders use, matching what you would see on your closing disclosure (source: consumerfinance.gov).
Why Print or Export Your Schedule
Most lenders only provide an amortization schedule on request, often as a generic table without extra payment scenarios. A printable schedule lets you track every payment manually, mark down extra principal payments, and verify the lender's escrow calculations. Exporting to CSV gives you flexibility to import the schedule into Excel, Google Sheets, or budgeting software like YNAB or Quicken.
According to the Consumer Financial Protection Bureau, borrowers who track their amortization actively are more likely to make extra principal payments, which can shave years off a mortgage and save tens of thousands in interest (source: cfpb.gov).
Extra Principal Payments — The Power of Acceleration
Even small extra monthly payments can have an outsized impact. On a $350,000 loan at 6.5% over 30 years, paying just $200 extra per month saves over $90,000 in interest and pays the loan off about 6 years early. This calculator includes an optional extra-payment field so you can model exactly what aggressive payoff looks like.
Compare strategies with our extra principal payment savings calculator or analyze a refinance with the refinance savings calculator. For biweekly payment strategies, see biweekly mortgage payoff.
Reading the Schedule
Each row shows month number, payment date, total payment, principal portion, interest portion, and remaining balance. Year-end rows are highlighted so you can see annual totals. Mortgage interest paid each year is what you would report on Schedule A if you itemize deductions — see the mortgage interest deduction cap calculator for current 2026 limits.
Last updated April 2026. Sources: cfpb.gov, freddiemac.com, irs.gov Pub 936.