如何计算Amortization Schedule
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An amortization schedule breaks down every loan payment into its principal and interest components over the full loan term. It shows exactly how much of each payment reduces the balance versus paying interest.
公式
Payment = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1]
分步指南
- 1Calculate fixed monthly payment using the annuity formula
- 2Month 1 interest = balance × monthly rate; principal = payment − interest
- 3New balance = previous balance − principal; repeat until balance = 0
例题解析
输入
$250,000 loan · 6% annual rate · 30 years
结果
Monthly payment = $1,498.88 · Total interest paid = $289,595
In month 1 only $248.88 of $1,498.88 reduces the principal balance
常见错误注意事项
- ✕Comparing APR vs note rate when calculating payments
- ✕Forgetting taxes and insurance in total housing cost
- ✕Ignoring prepayment penalties when planning extra payments
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