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So in general, unless you miss a payment or your payment doesn't cover all the interest due, the interest you pay when amortizing a loan is simple interest. If unpaid interest is added to the Principal, that is called negative amortization, and you would end up paying interest on your unpaid interest (i.e. A so-called Simple Interest Loan or Simple Interest Mortgage is the term used by the mortgage and loan industry to describe a particular type of loan that uses only simple interest calculations (no negative amortization) and accrues interest daily.

You can use almost any good mortgage calculator to determine the normal monthly payment and estimate the total interest, and even estimate the effect of making extra payments.

Based on my original loan amortization schedule, I created a version below that includes an interest accrual balance and calculates interest using the date between payments. The second worksheet (shown in the screenshot on the right) is a payment schedule that you can use to track your actual payments.

A commercial use version of this Simple Interest Loan calculator is included as a bonus spreadsheet when you purchase the Loan Amortization Schedule.

Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only. Free Online Simple Interest Calculator — Date Math CalculatorCalculate simple interest with this free, online interest calculator. Simple Interest Loan Amortization Calculator & CalculationSimple Interest Loan Amortization Calculator is an online personal finance . Student loan repayment calculatorEstimate your student loan payment (repayment calculator) . Simple interest only mortgage calculator

Simple Savings Interest Calculators - The Calculator SiteUse these savings interest calculators to work out the interest on your savings. Free Mortgage Calculator, Interest Only Mortgage CalculatorDirections: This is a simple FREE mortgage calculator, The Loan amount, the interest and the length of the loan can all be changed.

Amortization Table CalculatorThis interest amortization calculator can really come in handy when estimating loan or car payments.

Simple Interest Mortgage Calculator & CalculationSimple Interest Mortgage Loan Calculator is an personal finance estimation tool to calculate how much monthly interest is paid towards the principal. Loan Calculator for iPhone and other Mobile DevicesThis simple loan calculator lets you solve for the Principal, Rate, Term, or Payment for a fixed-rate loan or mortgage. Simple Loan Monthly Payment CalculatorThe Simple Loan Calculator will determine your estimated payments for different loan amounts, interest rates, and terms.

Loan Calculator - Online UtilityCalculate your monthly payments for the loan (mortage, car, student or other . Interest Only Mortgage CalculatorInterest only mortgage payment has both advantages and disadvantages. Interest Equations Formulas Calculator - Simple Interest Future ValueLoan calculator for solving future value of the simple interest equation.

Interest Only Loan CalculatorYou can use this interest-only loan calculator to figure out your monthly payments , if you decide to take out an interest-only loan. Amortization Schedule Calculator: Interest-Only LoanFree, online mortgage calculator creates enhanced amortization table.