Commercial Debt Desk · Basic Property Management
Commercial Mortgage Amortization Calculator
A lender-aware worksheet for periodic debt service, term-end balance, loan paydown, and payment-by-payment amortization.
Use actual loan terms whenever available. This calculator applies a nominal annual rate over the selected payment frequency. The output is an underwriting aid and should be checked against lender documents before relying on it for a transaction.
Loan terms
Enter the contractual debt terms. Amounts may be entered without commas.
Calculation notes
Periodic payment is calculated from the original loan amount, periodic rate, and amortization period. The schedule applies interest to the opening balance in each period and allocates the remaining payment to principal. Loan costs are reported separately and do not change the scheduled debt service.
Amortization schedule
| Period | Payment date | Opening balance | Payment | Principal | Interest | Ending balance |
|---|---|---|---|---|---|---|
| Enter loan terms and select “Calculate schedule.” | ||||||
Important: Results are estimates based on the stated assumptions. Commercial loans can include interest-only periods, rate resets, prepayment provisions, reserves, fees, or different day-count conventions that are not modeled here.