Visual Loan Calculator
Visualise a loan's payments over time, showing principal and interest.
Seeing where the money goes
Numbers on a loan tell you the payment; a chart shows you the story — how each payment splits between interest and principal, and how the balance falls over the term. This visualises a loan's schedule, making the shape of repayment clear in a way a single figure cannot.
Enter the loan details to see the visual schedule.
The amortisation curve, made visible
The chart reveals the striking feature of loan repayment that surprises people: in the early years, most of each payment is interest and only a little reduces the balance, while later the balance falls faster as more of each payment goes to principal. That is amortisation, and seeing it drawn out explains a lot — why you build equity slowly at first, why overpaying early has such an outsized effect on total interest, and how a longer term keeps you in the interest-heavy phase longer. Visualising the schedule turns the abstract mechanics of a loan into something you can grasp at a glance, which often changes how people think about paying it down.
Common questions
Why is so much of an early loan payment interest?
Interest is charged on the outstanding balance, highest at the start, so early payments are mostly interest and the balance falls slowly at first — amortisation.
What does visualising the loan show?
How each payment splits between interest and principal over time, and how the balance falls — making the effect of overpaying or a longer term clear.
Is anything uploaded?
No. The chart is generated in your browser.