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Loan Amortization

Commercial Loan Amortization Calculator

Compute your monthly payment, total interest, and balloon balance for any commercial real estate loan. Export the full month-by-month schedule to CSV for your lender package.

Loan terms
Most CRE loans have a shorter term than the amortization — the unpaid balance at term end is the balloon.
Monthly payment
$13,818
Annual debt service
$165,819
Balloon at year 10
$1,561,542
Total interest paid
$1,219,729
Amortization schedule
MonthPaymentInterestPrincipalBalance
1$13,818$11,250$2,568$1,997,432
2$13,818$11,236$2,583$1,994,849
3$13,818$11,221$2,597$1,992,252
4$13,818$11,206$2,612$1,989,640
5$13,818$11,192$2,627$1,987,014
6$13,818$11,177$2,641$1,984,372
7$13,818$11,162$2,656$1,981,716
8$13,818$11,147$2,671$1,979,045
9$13,818$11,132$2,686$1,976,359
10$13,818$11,117$2,701$1,973,658
11$13,818$11,102$2,716$1,970,941
12$13,818$11,087$2,732$1,968,210
13$13,818$11,071$2,747$1,965,463
14$13,818$11,056$2,763$1,962,700
15$13,818$11,040$2,778$1,959,922
16$13,818$11,025$2,794$1,957,128
17$13,818$11,009$2,809$1,954,319
18$13,818$10,993$2,825$1,951,494
19$13,818$10,977$2,841$1,948,653
20$13,818$10,961$2,857$1,945,796
21$13,818$10,945$2,873$1,942,923
22$13,818$10,929$2,889$1,940,033
23$13,818$10,913$2,906$1,937,128
24$13,818$10,896$2,922$1,934,206
25$13,818$10,880$2,938$1,931,268
26$13,818$10,863$2,955$1,928,313
27$13,818$10,847$2,971$1,925,341
28$13,818$10,830$2,988$1,922,353
29$13,818$10,813$3,005$1,919,348
30$13,818$10,796$3,022$1,916,326
31$13,818$10,779$3,039$1,913,287
32$13,818$10,762$3,056$1,910,231
33$13,818$10,745$3,073$1,907,158
34$13,818$10,728$3,090$1,904,068
35$13,818$10,710$3,108$1,900,960
36$13,818$10,693$3,125$1,897,834
37$13,818$10,675$3,143$1,894,692
38$13,818$10,658$3,161$1,891,531
39$13,818$10,640$3,178$1,888,353
40$13,818$10,622$3,196$1,885,156
41$13,818$10,604$3,214$1,881,942
42$13,818$10,586$3,232$1,878,710
43$13,818$10,568$3,250$1,875,459
44$13,818$10,549$3,269$1,872,191
45$13,818$10,531$3,287$1,868,903
46$13,818$10,513$3,306$1,865,598
47$13,818$10,494$3,324$1,862,273
48$13,818$10,475$3,343$1,858,931
49$13,818$10,456$3,362$1,855,569
50$13,818$10,438$3,381$1,852,188
51$13,818$10,419$3,400$1,848,788
52$13,818$10,399$3,419$1,845,370
53$13,818$10,380$3,438$1,841,932
54$13,818$10,361$3,457$1,838,474
55$13,818$10,341$3,477$1,834,997
56$13,818$10,322$3,496$1,831,501
57$13,818$10,302$3,516$1,827,985
58$13,818$10,282$3,536$1,824,449
59$13,818$10,263$3,556$1,820,894
60$13,818$10,243$3,576$1,817,318
61$13,818$10,222$3,596$1,813,722
62$13,818$10,202$3,616$1,810,106
63$13,818$10,182$3,636$1,806,470
64$13,818$10,161$3,657$1,802,813
65$13,818$10,141$3,677$1,799,135
66$13,818$10,120$3,698$1,795,437
67$13,818$10,099$3,719$1,791,718
68$13,818$10,078$3,740$1,787,979
69$13,818$10,057$3,761$1,784,218
70$13,818$10,036$3,782$1,780,436
71$13,818$10,015$3,803$1,776,632
72$13,818$9,994$3,825$1,772,808
73$13,818$9,972$3,846$1,768,962
74$13,818$9,950$3,868$1,765,094
75$13,818$9,929$3,890$1,761,204
76$13,818$9,907$3,911$1,757,293
77$13,818$9,885$3,933$1,753,359
78$13,818$9,863$3,956$1,749,404
79$13,818$9,840$3,978$1,745,426
80$13,818$9,818$4,000$1,741,426
81$13,818$9,796$4,023$1,737,403
82$13,818$9,773$4,045$1,733,358
83$13,818$9,750$4,068$1,729,289
84$13,818$9,727$4,091$1,725,198
85$13,818$9,704$4,114$1,721,084
86$13,818$9,681$4,137$1,716,947
87$13,818$9,658$4,160$1,712,787
88$13,818$9,634$4,184$1,708,603
89$13,818$9,611$4,207$1,704,396
90$13,818$9,587$4,231$1,700,165
91$13,818$9,563$4,255$1,695,910
92$13,818$9,539$4,279$1,691,631
93$13,818$9,515$4,303$1,687,328
94$13,818$9,491$4,327$1,683,001
95$13,818$9,467$4,351$1,678,650
96$13,818$9,442$4,376$1,674,274
97$13,818$9,418$4,400$1,669,874
98$13,818$9,393$4,425$1,665,449
99$13,818$9,368$4,450$1,660,999
100$13,818$9,343$4,475$1,656,523
101$13,818$9,318$4,500$1,652,023
102$13,818$9,293$4,526$1,647,498
103$13,818$9,267$4,551$1,642,946
104$13,818$9,242$4,577$1,638,370
105$13,818$9,216$4,602$1,633,767
106$13,818$9,190$4,628$1,629,139
107$13,818$9,164$4,654$1,624,485
108$13,818$9,138$4,681$1,619,804
109$13,818$9,111$4,707$1,615,097
110$13,818$9,085$4,733$1,610,364
111$13,818$9,058$4,760$1,605,604
112$13,818$9,032$4,787$1,600,818
113$13,818$9,005$4,814$1,596,004
114$13,818$8,978$4,841$1,591,163
115$13,818$8,950$4,868$1,586,295
116$13,818$8,923$4,895$1,581,400
117$13,818$8,895$4,923$1,576,477
118$13,818$8,868$4,951$1,571,527
119$13,818$8,840$4,978$1,566,548
120$13,818$8,812$5,006$1,561,542

How CRE amortization actually works

Commercial real estate loans almost always separate amortization period from loan term. A common structure is a 10-year term with a 25- or 30-year amortization schedule. Your monthly payment is calculated as if the loan will fully pay off over the amortization period, but when the term ends the remaining principal — the balloon — is due in a single payment. Sponsors either refinance or sell before that date.

This calculator returns the four numbers that actually drive underwriting: monthly payment (drives DSCR), annual debt service, balloon balance at term end (drives refi/exit planning), and total interest paid (drives after-tax IRR).

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Combine debt service with NOI, exit assumptions, and submarket data — full underwriting in under a minute.

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