Break down principal and interest, instalment by instalment

Break down principal and interest, instalment by instalment. Made for people and professionals comparing an option, checking a figure or preparing a decision.

Break down principal and interest, instalment by instalment. See the result immediately in your browser, with no account, upload or stored data.

How to use

Enter the amount borrowed on the first line, without thousands separators.
Put the annual interest rate as a percentage on the next line.
Add the loan term in months, such as the total number of planned instalments.
Run calculate to see the instalment-by-instalment breakdown for each month.
Review total interest and principal before comparing options.

Example

For a fifteen thousand loan over sixty months at an annual rate of four point five percent, the tool lists each payment and separates principal from interest. This helps you see the real cost of borrowing before you commit. Try another term to compare.

Input

15000
4.5
60

Limits and formats

It is not a substitute for a loan contract or financial advice.
Arrangement fees, insurance and other charges are not included unless you account for them yourself.
Variable rates or early repayments will change the real schedule.
Always confirm the figures with your bank or lender before making a decision.
Rounding in the rate or payment amount can create a small difference at the end.

Where processing happens

The calculation runs locally in your browser. The amount, rate and term you enter stay on your device and are not uploaded. The amortisation table appears directly on the page, ready to review before you speak with a lender.

Frequently asked questions

Can I compare two loans with this tool?

Yes. Calculate the first offer, note the total interest, then run the second one. Keep the same term for both if possible, and compare fees separately so the difference is clear. Look at the monthly payment as well as the rate.

Why is more interest charged at the start?

At the beginning, the remaining principal is at its highest, so interest takes a larger share of each payment. As the balance falls, more of your instalment goes toward repaying capital. This is why early repayments can lower the total cost.

Does the schedule include borrower insurance?

No, unless you add that cost in your own review. The tool works with the amount, rate and term you provide. For a full picture, include insurance and fees from the contract, because they can change the real cost.