HELOC Amortization Calculator
Track variable APR, daily periodic rates, and principal reduction over time.
Loan Setup
Rate Changes
Provide at least one row. APR and/or Daily Periodic Rate can be entered for each Rate Date.
| Rate Date | APR (%) | Daily Periodic Rate |
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Monthly Additional Principal Changes
Schedule changes to the recurring monthly extra principal amount. Each row's amount applies starting on its Effective Date until the next change.
| Effective Date | Monthly Extra Amount |
|---|
Additional Principal Payments
These are one-time extra principal payments, in addition to the monthly extra amount.
| Payment Date | Amount |
|---|
Summary
Payoff Comparison: Your Plan vs. Minimum Payments Only
Baseline assumes the same rate schedule but no monthly extra or one-time principal payments.
Visualization
Remaining Principal: Plan vs. Minimum Payments
Interest vs Principal Paid
Amortization Detail
| Cycle # | Cycle End | APR (%) | Daily Periodic Rate | Avg Daily Principal Balance | Interest | Scheduled Payment | Monthly Extra | One-Time Extras | Total Principal Paid | Ending Balance |
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