Kaip apskaičiuoti Loan Amortization Table
Kas yra Loan Amortization Table?
An amortization calculator with extra payments shows how additional monthly payments reduce your loan balance faster, cutting total interest paid and shortening the loan term.
Formulė
Monthly payment = P × r / (1−(1+r)^−n); Interest saved with extra payments compounds monthly
- P
- Principal loan amount (Currency)
- r
- Monthly interest rate (Decimal (annual rate / 12))
- n
- Number of payments (Months)
- E
- Extra monthly payment (Currency)
Žingsnis po žingsnio vadovas
- 1Base payment = P × r / (1−(1+r)^−n)
- 2Extra payments go directly to principal
- 3Less principal = less interest each month
- 4Even small extra amounts compound into large savings
Worked Examples
Įvestis
$200k loan, 6.5%, 30yr, $200 extra/month
Rezultatas
Saves ~$87,000 in interest; pays off 7 years early
Frequently Asked Questions
Does making extra payments hurt my credit?
No. Extra payments reduce principal faster and demonstrate financial responsibility. Your credit score may improve as debt-to-income ratio improves.
Can I make extra payments on any loan?
Most mortgages and auto loans allow extra payments without penalty, but check your loan agreement. Some car leases or older mortgages may have prepayment penalties.
Is $50/month extra payment really significant?
Yes. On a $200k mortgage at 6.5%, an extra $50/month saves ~$20k in interest over 30 years.
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