{"id":1228,"date":"2026-09-18T00:02:05","date_gmt":"2026-09-18T04:02:05","guid":{"rendered":"https:\/\/arvcalc.com\/blog\/amortization-calculator-how-to-use\/"},"modified":"2026-09-18T00:33:03","modified_gmt":"2026-09-18T04:33:03","slug":"amortization-calculator-how-to-use","status":"publish","type":"post","link":"https:\/\/arvcalc.com\/blog\/amortization-calculator-how-to-use\/","title":{"rendered":"Amortization Schedule Calculator: How to Read and Use It (2026)"},"content":{"rendered":"

Your first mortgage payment on a $150,000 investment property at 7%: $998\/month. Of that, $123 goes to principal and $875 goes to interest. You pay the bank 7\u00d7 more than you pay yourself. After 12 months of payments ($11,976 total), you have reduced your loan balance by only $1,516. The other $10,460 went to interest. This is how amortization works \u2014 and why understanding your amortization schedule is critical for every real estate investor. This guide shows you how to use the amortization calculator, how to read the schedule, and how extra payments can save you $50,000\u2013$100,000 in interest.<\/p>\n

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