Business & Finance Tools
Commercial Loan Amortization Calculator
Model debt service for financing decisions and review how term, interest rate, payment frequency, and balloon assumptions affect cash flow.
Input Panel
Assumptions & Disclaimer
- Estimate only and not a lender quote.
- Does not include loan fees, prepayment terms, covenants, taxes, escrow, or variable-rate changes.
- Schedule structure is export-ready for future PDF or CSV output.
These tools provide preliminary estimates for informational purposes only and do not constitute tax, accounting, legal, investment, or financial advice. Results may vary based on facts, elections, deductions, credits, state and local rules, entity structure, financing terms, and other considerations. Consult Covault or another qualified advisor before making decisions based on these estimates.
Results Panel
Estimated payment
$7,669
Total interest
$144,208
Total payments
$644,208
Balloon payment
$0
Amortization Schedule Preview
First 12 periods. Export-ready structure reserved for future CSV/PDF.
| Period | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $7,669 | $4,544 | $3,125 | $495,456 |
| 2 | $7,669 | $4,573 | $3,097 | $490,883 |
| 3 | $7,669 | $4,601 | $3,068 | $486,282 |
| 4 | $7,669 | $4,630 | $3,039 | $481,652 |
| 5 | $7,669 | $4,659 | $3,010 | $476,994 |
| 6 | $7,669 | $4,688 | $2,981 | $472,306 |
| 7 | $7,669 | $4,717 | $2,952 | $467,588 |
| 8 | $7,669 | $4,747 | $2,922 | $462,842 |
| 9 | $7,669 | $4,776 | $2,893 | $458,065 |
| 10 | $7,669 | $4,806 | $2,863 | $453,259 |
| 11 | $7,669 | $4,836 | $2,833 | $448,423 |
| 12 | $7,669 | $4,866 | $2,803 | $443,556 |
Advisory Review
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Want help interpreting these numbers? Covault can review your scenario and help identify tax, financing, and cash flow considerations.
Future Enhancements
TODO: add PDF export, saved scenarios, client portal integration, CRM/email integration, AI-assisted explanation of results, state tax calculations, multi-year tax planning, and QBO/client data integration.