Curlee Capital
Mortgage Amortization Schedules
Build a principal-and-interest schedule, review the remaining balance and download monthly payments for a hypothetical investment-property loan.
Payment schedule
Monthly principal & interest
$1,834
Total interest: $410,388
| Month | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $168 | $1,667 | $249,832 |
| 2 | $169 | $1,666 | $249,663 |
| 3 | $170 | $1,664 | $249,493 |
| 4 | $171 | $1,663 | $249,322 |
| 5 | $172 | $1,662 | $249,150 |
| 6 | $173 | $1,661 | $248,977 |
| 7 | $175 | $1,660 | $248,802 |
| 8 | $176 | $1,659 | $248,626 |
| 9 | $177 | $1,658 | $248,449 |
| 10 | $178 | $1,656 | $248,271 |
| 11 | $179 | $1,655 | $248,092 |
| 12 | $180 | $1,654 | $247,912 |
Illustrative inputs, not Curlee pricing or investment advice. Cash flows assume equal periods; include the initial investment as a negative first value. Payment schedules exclude taxes, insurance, fees and prepayments.
How the payment changes the balance
An amortizing loan pays both interest and principal. With a fixed rate, the total payment stays level while the principal portion generally rises and the interest portion falls.
Amortization and maturity differ
A loan can amortize over a longer period than its contractual term, leaving a balloon balance due at maturity. An interest-only loan does not follow this fully amortizing schedule.
What the schedule excludes
This model uses fixed monthly payments and a fixed rate. Taxes, insurance, fees, ARM resets, missed payments and extra principal are excluded. Review the actual note and payment terms before relying on a schedule.
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