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Composition of Loan Payments Calculator

Enter your loan

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Any payment from 1 to the last one. On a monthly loan, payment 120 is the last of year 10. The first, crossover and last payments are always shown.

Your results

Principal overtakes interest at

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Interest in the first payment

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Half the loan repaid by

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Interest share of everything you pay

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Inside individual payments

PaymentInterestPrincipalInterest shareBalance after

How the mix changes year by year

Each year's payments split into interest and principal. The bar shows the share that went to interest.

YearPaidInterestPrincipalInterest shareBalance

Results are estimates for educational purposes and are not financial, tax or legal advice.

See how every payment on a fixed-rate loan divides between interest and principal, when principal becomes the bigger part, and how the mix shifts year by year. Try the free payment calculator to run your own numbers — everything is calculated in your browser and nothing you enter is stored or sent anywhere.