Amortization Simulator (SAC/PRICE)
Compare financing options and see the impact of interest rates.
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System
SAC
Financed
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Total interest
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Total paid (incl. down payment)
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01
Settings
02
Summary and Table
§ How to use
How to simulate a loan amortization schedule
Compare constant-amortization vs fixed-payment loans, simulate extra payments and view the month-by-month table of any loan.
Enter the loan amount, term and rate
Use the financed amount, the term in months (360 = 30 years) and the annual interest rate.
Choose the system
Constant amortization: the payment falls over time and you pay less interest overall. Fixed payment (annuity): a level payment but more interest at the end.
Add extra payments (optional)
Simulate a lump sum in any month and see how much it cuts the total term and the interest paid.
Compare scenarios
The table shows payment, interest, amortization and remaining balance month by month. Export to CSV to analyze in a spreadsheet.
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