Loan Amortization with Irregular Payments Calculator
Model a loan when you make extra or irregular payments. Enter the loan terms and add one-time or recurring extra amounts to see updated balance and payoff date.
Calculate your payment
Enter values to calculate.
How it works
We start with standard amortization. Extra payments reduce principal; we recalc remaining balance and payoff. You can add lump sums or change payment amount by period.
When to use it
Use when you plan to make bonuses, tax refunds, or other irregular extra payments.
Frequently asked questions
Do extra payments always go to principal?
For most loans, yes. Some contracts apply to future payments first. Check your loan documents.