Paperwork

Payment schedule

The loan

An extra payment goes entirely against the balance, so it shortens the term rather than reducing the regular payment. The summary shows what that saves you.

Labels on the printed schedule
 

This is what prints. Press Print and choose “Save as PDF” as the destination — the page is laid out for A4 and US Letter, and the interface is hidden on paper.

Enter the amount, rate and term. Get every payment listed with interest, principal and remaining balance, plus the total interest you will pay.

A single monthly-payment figure hides the thing worth knowing: how much of each payment is interest, and how much of it you still owe. The table shows both, and prints on one page.

Nothing is uploaded

Every field stays in your browser. There is no endpoint here that accepts a document, which is the only version of that promise worth making. Close the tab and it is still on your machine; clear your site data and it is gone from everywhere.

It remembers, so the second one is quick

Your details and settings are kept locally. Next time, open the page, press New, and everything that does not change is already filled in.

Print, do not export

The PDF is made by your own browser’s print engine, not by a library on a server. What you see in the preview is the same element that prints — there is no second rendering to go wrong.

Questions

Which formula is used?
The standard annuity formula for a fixed-rate, equal-payment loan: the payment is the amount, times the periodic rate, divided by one minus (one plus the periodic rate) to the power of minus the number of payments. Interest each period is the outstanding balance times the periodic rate; the rest reduces the balance.
Why does my bank quote a different number?
Because lenders add fees, use day-count conventions, round differently, or quote a rate that compounds on a different cycle than it is charged on. This schedule is the arithmetic of the loan itself — useful for comparison and planning, not a substitute for the lender’s own statement.
Can I use it for a lease or an instalment plan?
Yes. Anything with a fixed amount, a fixed rate and equal payments amortises the same way.

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