Loan Balance Calculator
See how much principal is left on your loan after any number of payments — useful for payoff planning or refinancing.
Frequently asked questions
Does this include extra payments I made?
No. This assumes level payments per the original amortization. If you paid extra, your real balance is lower — try our Extra Payment calculator.
Why is my balance still high after years of payments?
Early payments are mostly interest. On a 30-year loan, you may owe most of the principal for the first decade. That's normal with amortization.
Is this the same as a payoff quote?
Close, but a lender's payoff also includes accrued interest to the exact date and any fees. Use this for planning, not the final number.