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Equal Principal Calculator

Loan amountAnnual interest rate (%)Loan term (years)

Repays the same principal each month; total payment declines as interest on the shrinking balance falls.

Results

Loan amount

$200,000.00

Fixed monthly principal

$555.56

First month payment

$1,555.56

Total interest

$180,500.00

Total payment

$380,500.00

Equal principal loan chart

Remaining balanceCumulative interest

Month-by-month schedule

Month	Interest paid	Principal paid	Remaining balance
0	$0.00	$0.00	$200,000.00
1	$1,000.00	$555.56	$199,444.44
2	$997.22	$555.56	$198,888.89
3	$994.44	$555.56	$198,333.33
4	$991.67	$555.56	$197,777.78
5	$988.89	$555.56	$197,222.22
6	$986.11	$555.56	$196,666.67
7	$983.33	$555.56	$196,111.11
8	$980.56	$555.56	$195,555.56
9	$977.78	$555.56	$195,000.00
10	$975.00	$555.56	$194,444.44
11	$972.22	$555.56	$193,888.89
12	$969.44	$555.56	$193,333.33
13	$966.67	$555.56	$192,777.78
14	$963.89	$555.56	$192,222.22
15	$961.11	$555.56	$191,666.67
16	$958.33	$555.56	$191,111.11
17	$955.56	$555.56	$190,555.56
18	$952.78	$555.56	$190,000.00
19	$950.00	$555.56	$189,444.44
20	$947.22	$555.56	$188,888.89
21	$944.44	$555.56	$188,333.33
22	$941.67	$555.56	$187,777.78
23	$938.89	$555.56	$187,222.22
24	$936.11	$555.56	$186,666.67
25	$933.33	$555.56	$186,111.11
26	$930.56	$555.56	$185,555.56
27	$927.78	$555.56	$185,000.00
28	$925.00	$555.56	$184,444.44
29	$922.22	$555.56	$183,888.89
30	$919.44	$555.56	$183,333.33
31	$916.67	$555.56	$182,777.78
32	$913.89	$555.56	$182,222.22
33	$911.11	$555.56	$181,666.67
34	$908.33	$555.56	$181,111.11
35	$905.56	$555.56	$180,555.56
36	$902.78	$555.56	$180,000.00
37	$900.00	$555.56	$179,444.44
38	$897.22	$555.56	$178,888.89
39	$894.44	$555.56	$178,333.33
40	$891.67	$555.56	$177,777.78
41	$888.89	$555.56	$177,222.22
42	$886.11	$555.56	$176,666.67
43	$883.33	$555.56	$176,111.11
44	$880.56	$555.56	$175,555.56
45	$877.78	$555.56	$175,000.00
46	$875.00	$555.56	$174,444.44
47	$872.22	$555.56	$173,888.89
48	$869.44	$555.56	$173,333.33
49	$866.67	$555.56	$172,777.78
50	$863.89	$555.56	$172,222.22
51	$861.11	$555.56	$171,666.67
52	$858.33	$555.56	$171,111.11
53	$855.56	$555.56	$170,555.56
54	$852.78	$555.56	$170,000.00
55	$850.00	$555.56	$169,444.44
56	$847.22	$555.56	$168,888.89
57	$844.44	$555.56	$168,333.33
58	$841.67	$555.56	$167,777.78
59	$838.89	$555.56	$167,222.22
60	$836.11	$555.56	$166,666.67
61	$833.33	$555.56	$166,111.11
62	$830.56	$555.56	$165,555.56
63	$827.78	$555.56	$165,000.00
64	$825.00	$555.56	$164,444.44
65	$822.22	$555.56	$163,888.89
66	$819.44	$555.56	$163,333.33
67	$816.67	$555.56	$162,777.78
68	$813.89	$555.56	$162,222.22
69	$811.11	$555.56	$161,666.67
70	$808.33	$555.56	$161,111.11
71	$805.56	$555.56	$160,555.56
72	$802.78	$555.56	$160,000.00
73	$800.00	$555.56	$159,444.44
74	$797.22	$555.56	$158,888.89
75	$794.44	$555.56	$158,333.33
76	$791.67	$555.56	$157,777.78
77	$788.89	$555.56	$157,222.22
78	$786.11	$555.56	$156,666.67
79	$783.33	$555.56	$156,111.11
80	$780.56	$555.56	$155,555.56
81	$777.78	$555.56	$155,000.00
82	$775.00	$555.56	$154,444.44
83	$772.22	$555.56	$153,888.89
84	$769.44	$555.56	$153,333.33
85	$766.67	$555.56	$152,777.78
86	$763.89	$555.56	$152,222.22
87	$761.11	$555.56	$151,666.67
88	$758.33	$555.56	$151,111.11
89	$755.56	$555.56	$150,555.56
90	$752.78	$555.56	$150,000.00
91	$750.00	$555.56	$149,444.44
92	$747.22	$555.56	$148,888.89
93	$744.44	$555.56	$148,333.33
94	$741.67	$555.56	$147,777.78
95	$738.89	$555.56	$147,222.22
96	$736.11	$555.56	$146,666.67
97	$733.33	$555.56	$146,111.11
98	$730.56	$555.56	$145,555.56
99	$727.78	$555.56	$145,000.00
100	$725.00	$555.56	$144,444.44
101	$722.22	$555.56	$143,888.89
102	$719.44	$555.56	$143,333.33
103	$716.67	$555.56	$142,777.78
104	$713.89	$555.56	$142,222.22
105	$711.11	$555.56	$141,666.67
106	$708.33	$555.56	$141,111.11
107	$705.56	$555.56	$140,555.56
108	$702.78	$555.56	$140,000.00
109	$700.00	$555.56	$139,444.44
110	$697.22	$555.56	$138,888.89
111	$694.44	$555.56	$138,333.33
112	$691.67	$555.56	$137,777.78
113	$688.89	$555.56	$137,222.22
114	$686.11	$555.56	$136,666.67
115	$683.33	$555.56	$136,111.11
116	$680.56	$555.56	$135,555.56
117	$677.78	$555.56	$135,000.00
118	$675.00	$555.56	$134,444.44
119	$672.22	$555.56	$133,888.89
120	$669.44	$555.56	$133,333.33
121	$666.67	$555.56	$132,777.78
122	$663.89	$555.56	$132,222.22
123	$661.11	$555.56	$131,666.67
124	$658.33	$555.56	$131,111.11
125	$655.56	$555.56	$130,555.56
126	$652.78	$555.56	$130,000.00
127	$650.00	$555.56	$129,444.44
128	$647.22	$555.56	$128,888.89
129	$644.44	$555.56	$128,333.33
130	$641.67	$555.56	$127,777.78
131	$638.89	$555.56	$127,222.22
132	$636.11	$555.56	$126,666.67
133	$633.33	$555.56	$126,111.11
134	$630.56	$555.56	$125,555.56
135	$627.78	$555.56	$125,000.00
136	$625.00	$555.56	$124,444.44
137	$622.22	$555.56	$123,888.89
138	$619.44	$555.56	$123,333.33
139	$616.67	$555.56	$122,777.78
140	$613.89	$555.56	$122,222.22
141	$611.11	$555.56	$121,666.67
142	$608.33	$555.56	$121,111.11
143	$605.56	$555.56	$120,555.56
144	$602.78	$555.56	$120,000.00
145	$600.00	$555.56	$119,444.44
146	$597.22	$555.56	$118,888.89
147	$594.44	$555.56	$118,333.33
148	$591.67	$555.56	$117,777.78
149	$588.89	$555.56	$117,222.22
150	$586.11	$555.56	$116,666.67
151	$583.33	$555.56	$116,111.11
152	$580.56	$555.56	$115,555.56
153	$577.78	$555.56	$115,000.00
154	$575.00	$555.56	$114,444.44
155	$572.22	$555.56	$113,888.89
156	$569.44	$555.56	$113,333.33
157	$566.67	$555.56	$112,777.78
158	$563.89	$555.56	$112,222.22
159	$561.11	$555.56	$111,666.67
160	$558.33	$555.56	$111,111.11
161	$555.56	$555.56	$110,555.56
162	$552.78	$555.56	$110,000.00
163	$550.00	$555.56	$109,444.44
164	$547.22	$555.56	$108,888.89
165	$544.44	$555.56	$108,333.33
166	$541.67	$555.56	$107,777.78
167	$538.89	$555.56	$107,222.22
168	$536.11	$555.56	$106,666.67
169	$533.33	$555.56	$106,111.11
170	$530.56	$555.56	$105,555.56
171	$527.78	$555.56	$105,000.00
172	$525.00	$555.56	$104,444.44
173	$522.22	$555.56	$103,888.89
174	$519.44	$555.56	$103,333.33
175	$516.67	$555.56	$102,777.78
176	$513.89	$555.56	$102,222.22
177	$511.11	$555.56	$101,666.67
178	$508.33	$555.56	$101,111.11
179	$505.56	$555.56	$100,555.56
180	$502.78	$555.56	$100,000.00
181	$500.00	$555.56	$99,444.44
182	$497.22	$555.56	$98,888.89
183	$494.44	$555.56	$98,333.33
184	$491.67	$555.56	$97,777.78
185	$488.89	$555.56	$97,222.22
186	$486.11	$555.56	$96,666.67
187	$483.33	$555.56	$96,111.11
188	$480.56	$555.56	$95,555.56
189	$477.78	$555.56	$95,000.00
190	$475.00	$555.56	$94,444.44
191	$472.22	$555.56	$93,888.89
192	$469.44	$555.56	$93,333.33
193	$466.67	$555.56	$92,777.78
194	$463.89	$555.56	$92,222.22
195	$461.11	$555.56	$91,666.67
196	$458.33	$555.56	$91,111.11
197	$455.56	$555.56	$90,555.56
198	$452.78	$555.56	$90,000.00
199	$450.00	$555.56	$89,444.44
200	$447.22	$555.56	$88,888.89
201	$444.44	$555.56	$88,333.33
202	$441.67	$555.56	$87,777.78
203	$438.89	$555.56	$87,222.22
204	$436.11	$555.56	$86,666.67
205	$433.33	$555.56	$86,111.11
206	$430.56	$555.56	$85,555.56
207	$427.78	$555.56	$85,000.00
208	$425.00	$555.56	$84,444.44
209	$422.22	$555.56	$83,888.89
210	$419.44	$555.56	$83,333.33
211	$416.67	$555.56	$82,777.78
212	$413.89	$555.56	$82,222.22
213	$411.11	$555.56	$81,666.67
214	$408.33	$555.56	$81,111.11
215	$405.56	$555.56	$80,555.56
216	$402.78	$555.56	$80,000.00
217	$400.00	$555.56	$79,444.44
218	$397.22	$555.56	$78,888.89
219	$394.44	$555.56	$78,333.33
220	$391.67	$555.56	$77,777.78
221	$388.89	$555.56	$77,222.22
222	$386.11	$555.56	$76,666.67
223	$383.33	$555.56	$76,111.11
224	$380.56	$555.56	$75,555.56
225	$377.78	$555.56	$75,000.00
226	$375.00	$555.56	$74,444.44
227	$372.22	$555.56	$73,888.89
228	$369.44	$555.56	$73,333.33
229	$366.67	$555.56	$72,777.78
230	$363.89	$555.56	$72,222.22
231	$361.11	$555.56	$71,666.67
232	$358.33	$555.56	$71,111.11
233	$355.56	$555.56	$70,555.56
234	$352.78	$555.56	$70,000.00
235	$350.00	$555.56	$69,444.44
236	$347.22	$555.56	$68,888.89
237	$344.44	$555.56	$68,333.33
238	$341.67	$555.56	$67,777.78
239	$338.89	$555.56	$67,222.22
240	$336.11	$555.56	$66,666.67
241	$333.33	$555.56	$66,111.11
242	$330.56	$555.56	$65,555.56
243	$327.78	$555.56	$65,000.00
244	$325.00	$555.56	$64,444.44
245	$322.22	$555.56	$63,888.89
246	$319.44	$555.56	$63,333.33
247	$316.67	$555.56	$62,777.78
248	$313.89	$555.56	$62,222.22
249	$311.11	$555.56	$61,666.67
250	$308.33	$555.56	$61,111.11
251	$305.56	$555.56	$60,555.56
252	$302.78	$555.56	$60,000.00
253	$300.00	$555.56	$59,444.44
254	$297.22	$555.56	$58,888.89
255	$294.44	$555.56	$58,333.33
256	$291.67	$555.56	$57,777.78
257	$288.89	$555.56	$57,222.22
258	$286.11	$555.56	$56,666.67
259	$283.33	$555.56	$56,111.11
260	$280.56	$555.56	$55,555.56
261	$277.78	$555.56	$55,000.00
262	$275.00	$555.56	$54,444.44
263	$272.22	$555.56	$53,888.89
264	$269.44	$555.56	$53,333.33
265	$266.67	$555.56	$52,777.78
266	$263.89	$555.56	$52,222.22
267	$261.11	$555.56	$51,666.67
268	$258.33	$555.56	$51,111.11
269	$255.56	$555.56	$50,555.56
270	$252.78	$555.56	$50,000.00
271	$250.00	$555.56	$49,444.44
272	$247.22	$555.56	$48,888.89
273	$244.44	$555.56	$48,333.33
274	$241.67	$555.56	$47,777.78
275	$238.89	$555.56	$47,222.22
276	$236.11	$555.56	$46,666.67
277	$233.33	$555.56	$46,111.11
278	$230.56	$555.56	$45,555.56
279	$227.78	$555.56	$45,000.00
280	$225.00	$555.56	$44,444.44
281	$222.22	$555.56	$43,888.89
282	$219.44	$555.56	$43,333.33
283	$216.67	$555.56	$42,777.78
284	$213.89	$555.56	$42,222.22
285	$211.11	$555.56	$41,666.67
286	$208.33	$555.56	$41,111.11
287	$205.56	$555.56	$40,555.56
288	$202.78	$555.56	$40,000.00
289	$200.00	$555.56	$39,444.44
290	$197.22	$555.56	$38,888.89
291	$194.44	$555.56	$38,333.33
292	$191.67	$555.56	$37,777.78
293	$188.89	$555.56	$37,222.22
294	$186.11	$555.56	$36,666.67
295	$183.33	$555.56	$36,111.11
296	$180.56	$555.56	$35,555.56
297	$177.78	$555.56	$35,000.00
298	$175.00	$555.56	$34,444.44
299	$172.22	$555.56	$33,888.89
300	$169.44	$555.56	$33,333.33
301	$166.67	$555.56	$32,777.78
302	$163.89	$555.56	$32,222.22
303	$161.11	$555.56	$31,666.67
304	$158.33	$555.56	$31,111.11
305	$155.56	$555.56	$30,555.56
306	$152.78	$555.56	$30,000.00
307	$150.00	$555.56	$29,444.44
308	$147.22	$555.56	$28,888.89
309	$144.44	$555.56	$28,333.33
310	$141.67	$555.56	$27,777.78
311	$138.89	$555.56	$27,222.22
312	$136.11	$555.56	$26,666.67
313	$133.33	$555.56	$26,111.11
314	$130.56	$555.56	$25,555.56
315	$127.78	$555.56	$25,000.00
316	$125.00	$555.56	$24,444.44
317	$122.22	$555.56	$23,888.89
318	$119.44	$555.56	$23,333.33
319	$116.67	$555.56	$22,777.78
320	$113.89	$555.56	$22,222.22
321	$111.11	$555.56	$21,666.67
322	$108.33	$555.56	$21,111.11
323	$105.56	$555.56	$20,555.56
324	$102.78	$555.56	$20,000.00
325	$100.00	$555.56	$19,444.44
326	$97.22	$555.56	$18,888.89
327	$94.44	$555.56	$18,333.33
328	$91.67	$555.56	$17,777.78
329	$88.89	$555.56	$17,222.22
330	$86.11	$555.56	$16,666.67
331	$83.33	$555.56	$16,111.11
332	$80.56	$555.56	$15,555.56
333	$77.78	$555.56	$15,000.00
334	$75.00	$555.56	$14,444.44
335	$72.22	$555.56	$13,888.89
336	$69.44	$555.56	$13,333.33
337	$66.67	$555.56	$12,777.78
338	$63.89	$555.56	$12,222.22
339	$61.11	$555.56	$11,666.67
340	$58.33	$555.56	$11,111.11
341	$55.56	$555.56	$10,555.56
342	$52.78	$555.56	$10,000.00
343	$50.00	$555.56	$9,444.44
344	$47.22	$555.56	$8,888.89
345	$44.44	$555.56	$8,333.33
346	$41.67	$555.56	$7,777.78
347	$38.89	$555.56	$7,222.22
348	$36.11	$555.56	$6,666.67
349	$33.33	$555.56	$6,111.11
350	$30.56	$555.56	$5,555.56
351	$27.78	$555.56	$5,000.00
352	$25.00	$555.56	$4,444.44
353	$22.22	$555.56	$3,888.89
354	$19.44	$555.56	$3,333.33
355	$16.67	$555.56	$2,777.78
356	$13.89	$555.56	$2,222.22
357	$11.11	$555.56	$1,666.67
358	$8.33	$555.56	$1,111.11
359	$5.56	$555.56	$555.56
360	$2.78	$555.56	$0.00

How to use

Enter loan amount, annual interest rate, and loan term in years.
Review fixed monthly principal, first and last month payments, total interest, and total payment.
Use the chart and month-by-month table to see how interest and total payment decline over time.

FAQ

What is equal principal repayment?

Each month you repay the same amount of principal. Interest is charged on the remaining balance, so your total payment starts high and decreases each month as interest falls.

How is this different from amortization (equal payment)?

Amortization keeps the total monthly payment fixed while principal and interest shift. Equal principal keeps the principal portion fixed, so total payments decline. Equal principal usually costs less total interest for the same rate and term.

What do the chart lines mean?

Remaining balance (blue, falling) is how much you still owe. Cumulative interest (green, rising) is total interest paid so far. Early months pay more interest because the balance is highest.

Is my data uploaded?

No. Processing runs locally in your browser.

Does this tool provide financial advice?

No. Results are informational estimates only and do not replace professional advice.

Introduction

An equal principal calculator (trả gốc đều) helps you plan loans where the same principal is repaid every month. Because interest is charged on the shrinking balance, your total payment decreases over time — unlike standard amortization where the monthly payment stays fixed.

Enter loan amount, annual rate, and term. The tool shows fixed monthly principal, first and last payments, total interest, and a month-by-month schedule with an interactive chart.

What is equal principal calculator?

Equal Principal Calculator uses three inputs:

Loan amount — total borrowed
Annual interest rate (%) — yearly borrowing cost
Loan term (years) — how long you repay

It estimates:

Fixed monthly principal — principal repaid each month (loan ÷ months)
First month payment — highest total payment (principal + interest on full balance)
Last month payment — lowest total payment (principal + interest on small balance)
Total interest — all interest paid over the full term
Total payment — principal plus total interest

An interactive chart and month-by-month table show how repayment evolves.

Understanding the chart lines

1. Remaining balance (blue line)

What it shows: How much you still owe at the end of each month.

Why it matters: Balance falls at a steady pace because principal is fixed each month — unlike equal-payment loans where principal acceleration is slower early on.

2. Cumulative interest (green line)

What it shows: Total interest paid from the start through each month.

Why it matters: Because principal is paid down faster than in equal-payment loans, cumulative interest grows more slowly — you pay less total interest overall.

How equal principal is calculated

Each month:

Principal = loan amount ÷ total months (final month pays any rounding remainder)
Interest = remaining balance × monthly rate
Payment = principal + interest
New balance = old balance − principal

If the rate is 0%, each payment equals the fixed monthly principal.

Equal monthly payment vs equal monthly principal

Not every loan uses the same repayment structure. Equal monthly principal (this tool) keeps the principal fixed each month; total payment falls as interest on the shrinking balance drops. Equal monthly payment (amortization / EMI) keeps the total payment fixed while the split between interest and principal shifts.

	Equal monthly principal (this tool)	Equal monthly payment
What stays fixed	Principal each month	Total payment each month
What changes	Total payment falls each month	Principal rises, interest falls each month
Early months	Higher total payment	Lower total payment
Total interest (same rate & term)	Lower — principal paid off faster	Higher
Common in	China, Vietnam, some Asian corporate loans	US, Europe, India, Japan, many mortgages
Try it	Equal Principal Calculator (you are here)	Amortization Calculator

Common Use Cases

Estimating payments for loans that use equal-principal repayment (common in China and Vietnam).
Comparing total interest cost against equal-payment amortization.
Seeing how monthly cash flow changes when payments decline over time.
Teaching how fixed principal affects interest versus fixed total payment.

Best Practices

Confirm whether your lender uses equal principal or equal payment — the methods are not interchangeable.
Early months require higher cash flow; budget for the first payment, not the average.
Taxes, insurance, and fees are not included unless you adjust inputs manually.
Extra payments are not modeled — this tool assumes scheduled equal principal only.
Treat outputs as planning estimates, not guarantees or financial advice.

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