borrowing-power
Loan Interest Schedule
Understand amortisation schedules and how they work with your borrowing power.
Updated Jan 2026
Loan Interest Schedule Calculator: Amortisation Schedule Explained
A loan interest schedule (amortisation schedule) breaks repayments into:
- interest paid
- principal repaid
- remaining balance
Use with:
Why it matters
It shows how interest dominates early repayments and how extra repayments/offset can reduce total interest.
FAQ
Does the schedule change if rates change?
Yes. Any rate change changes the repayment breakdown and total interest.