Regular Loan Calculator
Solve standard loan terms and generate a full monthly amortization schedule with calendar-year principal and interest totals.
Loan Setup
How this calculator defines the initial loan periods
Initial Irregular Period: the period from the Loan Origination Date through the day before the first full regular payment period begins. When treated as paid at closing, its interest is shown separately as Initial Irregular Period Interest and included in that calendar year's interest totals.
First Regular Payment Period: under End of Period timing, the full monthly period immediately preceding the First Regular Payment Date. Example: a payment due November 1 normally corresponds to the October 1–October 31 regular period.
Loan Solver
Enter three of the four financial variables. Select the variable you want the calculator to solve.
Loan Summary
Amortization Schedule
Initial Irregular Period Interest paid/settled at closing is shown as the first informational row. Calendar-year totals are inserted directly into the schedule.
| # | Payment Date / Period | Payment | Principal | Interest | Ending Balance |
|---|
Important
This calculator is provided for informational, accounting, and planning purposes only. Results are estimates and may differ from lender statements due to interest calculation methods, day-count conventions, payment application dates, fees, rounding, or other loan-specific terms. Initial Irregular Period Interest is assumed to be paid or settled at closing when that treatment is selected. Always refer to the lender's official documents and statements for authoritative loan balances and payment information.