What do you want to figure out?

Loan payments, lease rates, investment returns — the time-value math, made simple and visual. Nothing leaves your browser.

Built for clarity. For lending or accounting, verify before you rely on it.

Loan details

Fill in what you know — leave the rest to Amortable.

I want to find

Loan amount

$

Interest rate per year

%

Length years

Payments

Payment per period

$

Extra payment optional, per period

$

A lease is a loan with a leftover value (the residual) at the end.

I want to find

Cap cost price being financed

$

Interest rate per year

%

Term months

Residual end value

$

Monthly payment

$

Money out is red (－), money in is green (＋). First row is usually your investment.

Tip: "$2,200 × 60" means $2,200 every period for 60 periods.

Your benchmark rate per year

%

Periods / year

Solve any of the five: N, rate, present value, payment, future value. Money received +, money paid −.

Payments / year

Compounding / year

Payment

—

The guided Loan tab covers most cases; use this for ARM-style variable-rate steps. (Available in the full advanced grid.)

The guided Investment tab covers NPV/IRR; dated XNPV/XIRR with day-counts lives here. (Available in the full advanced grid.)