How much principal remains after N payments — a snapshot, not a full schedule.
Balance snapshot after N payments. Annuity mode (rate + term + N) or simple mode (loan − paid). Not the Amortization schedule (full table) and not Loan overpayment (scenario vs contract). Fixed-rate estimate — banks may round differently. Header currency.
Enter data and click Calculate.
Amortisation mode: annuity payment from amount, rate, and full term; balance after N payments from the remaining-principal formula. Also: interest paid = N×payment − principal repaid; remaining % = balance/loan.
Simple mode: balance = loan − amount already paid (when term is left empty).
Balance ≈ 95,069.86
Payment ≈ 733.76
Interest ≈ 39,095.73
Principal ≈ 4,930.14
Remaining ≈ 95.07%
After 60 payments most cash went to interest — typical early in a long loan.
Balance ≈ 32,923.61
Payment ≈ 1,062.35
Interest ≈ 8,420.06
Principal ≈ 17,076.39
Remaining ≈ 65.85%
With a shorter term, principal falls faster than on a mortgage.
Balance 15,000
Quick subtraction when you do not know the schedule.
Remaining principal after N payments in the instalment model (usually annuity). Amount in the header currency.
When you see how much principal remains — an extra payment reduces that balance, not “future interest” as a separate pot.
A fixed rate and on-time regular payments. Rate changes or payment holidays move the balance differently.
Balance is principal; the sum of future instalments still includes interest — it is higher than the balance.
When you do not know rate and term — enter only the loan amount and total already paid (leave rate/term/n empty).
Amortization schedule — full table; Loan overpayment — scenario vs contract; Loan instalment — payment size before a balance snapshot.
Monthly payment, interest paid so far, principal repaid, and remaining % of the loan.
With a variable rate, payment holidays, or a non-standard schedule — your lender’s balance is the source of truth.
