How is a mortgage amortization schedule calculated?

A mortgage amortization schedule is calculated using the standard annuity formula: M = P[r(1+r)^n] / [(1+r)^n – 1], where P is the principal, r is the monthly interest rate, and n is the total number of payments. Each month, a portion goes to interest (remaining balance × monthly rate) and the rest reduces the principal.

Can I download my amortization schedule?

Yes. After calculating your schedule, click the 'Download CSV' button to export the full month-by-month breakdown including payment number, principal, interest, and remaining balance as a CSV file compatible with Excel and Google Sheets.

Privacy Policy

Last updated: September 19, 2026

1. Data We Collect

We do not collect, store, or transmit any personal or financial data. All mortgage calculations — including loan amount, interest rate, and amortization schedules — are performed entirely within your browser using client-side JavaScript. No data is sent to our servers or any third party as part of the calculation process.

We do not require account creation, login credentials, email addresses, or any form of personal identification to use this tool.

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This website does not use browser local storage, session storage, or IndexedDB to persist any user data. When you close the browser tab, all calculation inputs and results are discarded.

5. Children's Privacy

This website is not directed to individuals under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided personal data through third-party ad interactions, please contact us so we can take appropriate action.

6. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated "Last updated" date. We encourage you to review this page periodically.

7. Contact

If you have questions about this Privacy Policy, please reach out via our contact page.