Software built from direct development experience
Amortization Pro is not a generic calculator assembled from third-party articles. It is software developed and tested by ERICH Incorporated to create detailed repayment schedules, calculate principal and interest, report annual totals, and handle irregular payment histories.
Erich Ruth has developed financial and business software since 1999. He writes the educational articles on this site from the perspective of the person who develops, tests, documents, and supports the product.
What Amortization Pro is designed to do
- Create complete loan repayment schedules
- Calculate principal and interest for each payment
- Show total interest, total paid, payoff date, and remaining balance
- Report annual principal and interest totals
- Edit individual payment dates, amounts, rates, and notes
- Recalculate later rows after a payment-history change
- Save, retrieve, and print loan schedules
How the software is developed and tested
Development work begins with the schedule behavior the user needs to review: payment timing, rate, principal reduction, accrued interest, annual totals, and payoff information. Changes are tested against representative loan scenarios before release.
Testing includes ordinary fixed-payment schedules as well as situations where individual dates, payment amounts, rates, or notes are changed. Later schedule rows are reviewed to make sure the revised balance is carried forward consistently.
The free online version and downloadable evaluation allow customers to review the workflow before purchasing a license.
How our articles are prepared
Articles are written by Erich Ruth and are intended to help readers understand how repayment schedules behave. Topics are selected because they arise in the software workflow or in questions about payment timing, principal, interest, changing rates, and payoff balances.
Each article follows these standards:
- A named author and link to the author’s professional profile
- A clear explanation of the schedule concept
- Practical details tied to actual amortization calculations
- Disclosure when lender posting rules or loan agreements may control the result
- Review when software behavior, pricing, or registration procedures change
- No invented ratings, credentials, testimonials, or customer claims
The articles provide educational information about amortization schedules and software use. They are not individualized legal, tax, accounting, lending, or investment advice.
Customer support and accountability
Customers can contact ERICH Incorporated directly with questions about purchasing, downloading, installing, or registering Amortization Pro. The site displays the company name, business address, phone number, and support email so buyers know who is responsible for the product.
Corrections and feedback
If you find a factual problem, unclear explanation, broken link, or software instruction that no longer matches the current version, contact us. Corrections are reviewed against the current product and the page is updated when appropriate.
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