Tool to help compute and explore the basic mechanics of a amortizing loan

Year	Annual interest	Annual amortization	Annual remaining balance	Interest to annuity ratio
1	949	11,051	88,949	7.91%
2	838	11,162	77,788	6.99%
3	726	11,274	66,514	6.05%
4	613	11,387	55,127	5.11%
5	499	11,501	43,626	4.16%
6	383	11,617	32,009	3.19%
7	266	11,734	20,275	2.22%
8	149	11,851	8,424	1.24%
9	33	8,424	0	0.39%

Explore different monthly annuities

Mth. annuity	Total Interest	Total payment	Total interest to principal	Years
100	115,101	215,101	115.10%	180
		-85,688	-85.69%
200	29,413	129,413	29.41%	54
		-12,212	-12.21%
300	17,201	117,201	17.20%	33
		-5,019	-5.02%
400	12,182	112,182	12.18%	24
		-2,743	-2.74%
500	9,439	109,439	9.44%	19
		-1,731	-1.73%
600	7,708	107,708	7.71%	15
		-1,192	-1.19%
700	6,516	106,516	6.52%	13
		-871	-0.87%
800	5,645	105,645	5.64%	12
		-664	-0.66%
900	4,981	104,981	4.98%	10
		-523	-0.52%
1,000	4,457	104,457	4.46%	9
		-423	-0.42%
1,100	4,034	104,034	4.03%	8
		-349	-0.35%
1,200	3,685	103,685	3.69%	8
		-293	-0.29%
1,300	3,392	103,392	3.39%	7
		-249	-0.25%
1,400	3,143	103,143	3.14%	7
		-215	-0.21%
1,500	2,928	102,928	2.93%	6
		-187	-0.19%
1,600	2,741	102,741	2.74%	6
		-164	-0.16%
1,700	2,577	102,577	2.58%	6
		-145	-0.15%
1,800	2,432	102,432	2.43%	5
		-130	-0.13%
1,900	2,302	102,302	2.30%	5
		-116	-0.12%
2,000	2,186	102,186	2.19%	5
		-105	-0.10%
2,100	2,081	102,081	2.08%	5

Explore different principals

Principal	Total Interest	Total payment	Total interest to principal	Years
20,000	177	20,177	0.89%	2
		20,522	0.86%
40,000	699	40,699	1.75%	4
		20,879	0.88%
60,000	1,578	61,578	2.63%	6
		21,248	0.90%
80,000	2,826	82,826	3.53%	7
		21,631	0.92%
100,000	4,457	104,457	4.46%	9
		22,028	0.95%
120,000	6,485	126,485	5.40%	11
		22,440	0.97%
140,000	8,925	148,925	6.38%	13
		22,867	1.00%
160,000	11,793	171,793	7.37%	15
		23,311	1.02%
180,000	15,104	195,104	8.39%	17
		23,773	1.05%
200,000	18,877	218,877	9.44%	19
		24,253	1.08%
220,000	23,130	243,130	10.51%	21
		24,753	1.10%
240,000	27,884	267,884	11.62%	23
		25,275	1.13%
260,000	33,158	293,158	12.75%	25
		25,818	1.17%
280,000	38,977	318,977	13.92%	27
		26,386	1.20%
300,000	45,362	345,362	15.12%	29
		26,979	1.24%
320,000	52,341	372,341	16.36%	32

Explore different interest rates

Interest	Total Interest	Total payment	Total interest to principal	Years
0.10%	423	100,423	0.42%	9
		428	0.43%
0.20%	851	100,851	0.85%	9
		433	0.43%
0.30%	1,284	101,284	1.28%	9
		438	0.44%
0.40%	1,722	101,722	1.72%	9
		443	0.44%
0.50%	2,164	102,164	2.16%	9
		448	0.45%
0.60%	2,612	102,612	2.61%	9
		453	0.45%
0.70%	3,065	103,065	3.07%	9
		459	0.46%
0.80%	3,524	103,524	3.52%	9
		464	0.46%
0.90%	3,988	103,988	3.99%	9
		470	0.47%
1.00%	4,457	104,457	4.46%	9
		475	0.48%
1.10%	4,932	104,932	4.93%	9
		481	0.48%
1.20%	5,413	105,413	5.41%	9
		487	0.49%
1.30%	5,900	105,900	5.90%	9
		493	0.49%
1.40%	6,393	106,393	6.39%	9
		499	0.50%
1.50%	6,892	106,892	6.89%	9
		505	0.51%
1.60%	7,397	107,397	7.40%	9
		512	0.51%
1.70%	7,909	107,909	7.91%	9
		518	0.52%
1.80%	8,427	108,427	8.43%	10
		525	0.52%
1.90%	8,952	108,952	8.95%	10
		532	0.53%
2.00%	9,484	109,484	9.48%	10
		539	0.54%
2.10%	10,023	110,023	10.02%	10
		546	0.55%
2.20%	10,569	110,569	10.57%	10
		553	0.55%
2.30%	11,123	111,123	11.12%	10
		561	0.56%
2.40%	11,684	111,684	11.68%	10
		569	0.57%
2.50%	12,252	112,252	12.25%	10
		576	0.58%
2.60%	12,828	112,828	12.83%	10
		585	0.58%
2.70%	13,413	113,413	13.41%	10
		592	0.59%
2.80%	14,006	114,006	14.01%	10
		601	0.60%
2.90%	14,607	114,607	14.61%	10
		610	0.61%
3.00%	15,217	115,217	15.22%	10
		619	0.62%
3.10%	15,835	115,835	15.84%	10