Free Schedule Calculator
- Build complete amortization schedules
- Review totals, charts, and annual summaries
- Print the schedule and report
- Individual payment rows remain view-only
Amortization Software - $25 per license
Amortization Pro is Windows amortization software for building detailed loan repayment schedules. Calculate principal and interest, review annual totals and payoff information, print complete reports, and edit individual payment dates, amounts, rates, and notes. Start online for free or purchase the full software for $25 per license.
Download the Windows evaluation · One-time license purchase. No subscription or recurring charge.
Choose the right version
Each option uses the same practical approach to loan schedules, but the editing and saving capabilities differ.
See the software
A real amortization example
This example uses a $250,000, 30-year loan at 6.50% with a regular monthly principal-and-interest payment of $1,580.17. A $10,000 principal payment is entered after payment 12.
Difference in this example
$49,272.98less interest37 monthsearlier payoffIllustrative principal-and-interest calculation only. Actual lender posting methods, fees, rounding, dates, and loan terms may change the result.
Practical product details
Build and keep schedules on your computer. Compare the free calculator, evaluation, and registered software.
Released July 28, 2026. Includes editable payment rows, saving, retrieval, CSV export, charts, annual totals, and printable reports.
Model extra payments, rate changes, balloon balances, and biweekly payments.
Try before you purchase
Use the online calculator immediately or install the Windows evaluation before purchasing a license.
Build, review, and print a complete amortization schedule in your browser. Payment rows remain view-only.
Open the free calculatorTest the complete Windows program for five unrestricted schedule builds before registration.
Download the evaluationOne license is $25 and the four-license pack is $100. There is no subscription or recurring charge.
Review license optionsFree online tools
Use twelve focused calculators for interest, payments, payoff strategies, balances, Rule of 78, balloon loans, and refinancing. Your entries stay in your browser.
Solve for the regular payment, total interest, total payments, payoff time, and complete amortization schedule.
Open calculator →Convert an annual rate to a daily rate and compare how common day-count bases change the interest for a selected number of days.
Open calculator →See how recurring extra principal and a one-time lump sum can shorten a loan and reduce total interest.
Open calculator →See how a precomputed finance charge is weighted toward earlier payments and estimate the unearned interest remaining after a selected payment.
Open calculator →Estimate the regular monthly payment, interest paid before the balloon date, and the lump-sum balance due at payoff.
Open calculator →Compare both the monthly-payment effect and the long-term cost before replacing an existing loan.
Open calculator →Amortization guides
These practical guides explain how different payment structures affect principal, interest, timing, and payoff.
Follow the payment formula and the first three schedule rows using real numbers.
See the formula and exampleCompare the original and revised interest, payoff period, and balances.
Read the extra-payment guideCalculate the remaining balance due at an earlier maturity date.
Read the balloon-payment guideUnderstand 26 payments per year and accelerated biweekly payment plans.
Read the biweekly guideSee how a rate change affects the required payment and total interest.
Read the changing-rate guideDistinguish interest-only periods from payments that cause the balance to grow.
Read the interest-only guideCompare the remaining old loan with a new payment, term, and interest total.
Read the refinancing guideCompare the free online calculator, evaluation, and registered desktop version.
Compare software versionsUse the complete guide library to find the schedule type you need.
Open the guide libraryQuestions
Amortization Pro is $25 per license. A 4-license pack is $100. Each purchase is a one-time charge with no subscription or recurring fee.
The free version builds and prints schedules, but individual payment-row dates, payment amounts, rates, and notes are view-only.
It is the Windows desktop software. It allows five unrestricted schedule uses. After that, the principal is fixed at $60,000 until registration. Compare the free, evaluation, and registered versions.
After purchasing, open Register Software, copy the Installation ID, and send it with your payment information. We return the one-time passcode for that installation.
Call (608) 444-6575 or email support@powerofinterest.com. We check messages often and respond quickly.
Use the free calculator immediately, or purchase one license for $25 or a 4-license pack for $100.