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Lender Loan Balance Calculator for Intermittent and/or Uneven Payments

Calculator Preferences
Lender Loan Balance Calculator

This calculator will help you to find the balance for loans when repayments have not been made in accordance with the original terms. The calculator creates a monthly payment schedule based on the span of time you specify, wherein you change the contract payment amounts to match the actual payments made (the outstanding balance column updates as you make changes). Plus, you can even extend the payment schedule beyond the original number of payments for cases where skipped payments have extended the length of the loan. Also handles late fees, US Rule or Normal methods. Also includes an optional printer friendly revised loan amortization schedule, and a downloadable .csv file that can be imported into Excel or Open Office Calc. The Tip tab includes:

  • My rules for borrowing to or from family members.
  • US Rule Vs Normal amortization.
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Original Loan Terms

Loan Terms:

This section is for entering the original loan terms needed to create the editable payment schedule.

Note that once you click the "Create Schedule" button, all but the "Loan Name" fields will be disabled. Therefore please make sure you have the correct numbers entered before creating and editing the schedule.

Loan name:Loan name:Name of loan:Name of the loan you are tracking:

Loan name:

If you will be printing the loan amortization schedule or you will be tracking more than one loan, enter the name of the loan here.

Beg bal:Beginning balance:Beginning principal balance:Beginning principal balance:

Beginning principal balance:

Enter the dollar amount of the principal balance that coincides with the month and year you would like the payment schedule to start. Enter only numbers and no more than one decimal point (no commas or dollar signs).

Rate:Interest rate:Annual interest rate:Annual interest rate:

Annual interest rate of the loan:

Enter the annual interest rate you are paying (or collecting) on the loan balance. Enter as a percentage without the percent sign (for .06, or 6%, enter 6).

Note that if the interest rate changes during the repayment period it's best to create a second payment schedule starting from where rate change occured. Use the balance just prior to the rate change on the old rate schedule as the starting balance for the new rate schedule.

Orig # pmts:Orig # pmts:Original loan term in months:Original loan term in months:

Original loan term in months:

Enter the number of monthly payments as stated in the original loan agreement. Note that if you type in the number of years below, the calculator will automatically populate the number of payments field with the correct number of months.

# of years:
# of months:0
Payment:Payment amount:Monthly payment amount:Monthly payment amount:

Monthly principal and interest payment amount:

Enter the original monthly principal and interest payment amount (without dollar sign and commas). If this is a home loan, be sure to exclude the insurance and tax portions of the monthly payment.

Note that if you leave this field blank the calculator will calculate the monthly payment for you (based on the entered principal, rate, and term) when it creates the payment schedule.

Start month and year:Start month and year:Start month and year:Month and year to start amortization:

Month and year to start amortization:

Select the month and enter the 4-digit year you would like the payment schedule to begin. The loan balance calculator will use the month and year to create a schedule of payments wherein each payment can be changed to match the actual amounts paid.

End month and year:End month and year:End month and year:Month and year to end amortization:

Month and year to end amortization:

Select the month and enter the 4-digit year you would like the payment schedule to end. Note that you can extend the schedule beyond the original term for cases where missed payments have postponed the payoff date.

Method:Amortize method:Amortization method:Amortization method:

Amortization method:

Select US Rule if it is illegal in your state to charge interest on unpaid interest (unpaid interest will be escrowed). Otherwise, if you select Normal then unpaid interest will be added to the principal as it occurs (causing negative amortization).

Create & Edit Schedule

Schedule Buttons:

Pressing the "Create Schedule" button will populate the monthly payment chart below based on the loan's original terms. You can then change any of the monthly payment amounts to the actual amounts, as well as enter any extra and/or balloon payments that you have made, or that you plan to make.

If you would like to make changes to the original terms after creating the schedule, click the "Edit Loan Terms" button. Note that this will clear out the payment schedule and any changes you have made to it. So be sure to save the record under the Data tab if you'd like to keep a copy of the schedule that will be overwritten.

# rows:Number rows:Number of rows:Number of rows to display:

Number of rows to display:

Select the number of payment rows you wish to display at one time. The lower the number of rows, the more likely the summary results will remain in view as you make changes.

Use the "Prev" and "Next" buttons beneath the displayed rows to navigate the payment schedule. Or select the desired period from the dropdown menu next to the buttons.



Payment column:

This column will list the default payment amount for each month that falls within beginning and ending dates. You can change these to reflect instances where the actual payment made was more or less than amount listed (enter zero if payment was skipped all together). Note that the Balance column will update as you make changes.


Adjustment column:

Use the fields in this column for adding late fees to the principal balance (enter fees as a negative number, e.g. enter -10 for a $10 fee), or for cases where a second payment is made during any one month (enter principal payments as a positive number). Note that the Balance column will update as you make changes.


Balance column:

This column will display the revised month-to-month loan balance based on your entries in the Payment and Adjustments columns. Note that the loan balance calculator will recalculate this column as you adjust the payment amounts and late fees.

Amortization Period Results

Amortization Period Results:

The result fields below will update as you make changes to the editable payment schedule. Note that the results are calculated from the start date of the amortization to the end of the amortization, as entered in the top section of the calculator.

Principal:Principal paid:Principal paid during amortization period:Principal paid during amortization period:

Principal paid during amortization period:

The total of the amounts applied to the principle during selected repayment period.

Interest:Interest charges:Interest charges for the period:Interest charges for the amortization period:

Interest charges for the amortization period:

The total of the interest charges that have accrued during selected repayment period.

End balance:Ending balance:Principal balance at end of period:Principal balance at end of amortization period:

Principal balance at end of amortization period:

This is the balance owed as of the last month of selected repayment period (includes the payment amount for that month).

Escrowed:Escrowed int/fees:Escrowed unpaid interest & fees:Escrowed unpaid interest and fees:

Escrowed unpaid interest:

If you selected US Rule and any of your payments (less any fees) were not large enough to cover the interest charge for their respective payment periods, the unpaid interest and fees will be escrowed -- the total of which will display on this line. Otherwise, if Normal amortization is selected, unpaid interest and fees will be added to the principal in the period it occurred (causing negative amortization) and a zero will be displayed on this line.

Total owed:Total owed:Total owed at end of amortization period:Total owed at end of amortization period:

Total owed at end of amortization period:

This is the balance owed as of the last month of selected repayment period (includes the payment amount for that month), plus any escrowed unpaid interest.

If you would like to save the current entries to the secure online database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.