{"id":39142,"date":"2024-01-16T17:18:22","date_gmt":"2024-01-16T17:18:22","guid":{"rendered":"https:\/\/swoopfunding.com\/na\/amortization-calculator\/"},"modified":"2026-03-12T09:31:45","modified_gmt":"2026-03-12T09:31:45","slug":"amortization-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/na\/business-loan-calculator\/amortisation-calculator\/","title":{"rendered":"Amortisation calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"39142\" class=\"elementor elementor-39142\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ff0d04 e-flex e-con-boxed e-con e-parent\" data-id=\"6ff0d04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e93cb4 elementor-widget elementor-widget-template\" data-id=\"2e93cb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"45203\" class=\"elementor elementor-45203\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f8bd672 e-flex e-con-boxed e-con e-parent\" data-id=\"2f8bd672\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1e8640ab e-con-full e-flex e-con e-child\" data-id=\"1e8640ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-554a7090 elementor-widget elementor-widget-heading\" data-id=\"554a7090\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Amortisation calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-672a599c elementor-widget elementor-widget-text-editor\" data-id=\"672a599c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAn amortisation calculator is a financial tool designed to assist businesses in understanding and planning the repayment of loans over time. It helps seeking clarity on your repayment journey and making informed financial decisions.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48ed6007 elementor-widget__width-inherit elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"48ed6007\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n\n\n\n\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"53aa8807dec7e10d38f59f32\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"95px\" data-style-width=\"160px\" data-theme=\"light\" data-token=\"75678bf0-071e-4356-8a6b-93beb5a68f32\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-574154a elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"574154a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Amortisation calculator\",\n          \n          \"datePublished\": \"2024-01-16T17:18:22+00:00\",\n          \"dateModified\": \"2026-03-12T09:31:45+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Ian Hawkins\",\n              \"url\": \"https:\/\/swoopfunding.com\/na\/author\/ian-hawkins\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/na\/author\/ian-hawkins\/\" aria-label=\"Ian Hawkins\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"Ian Hawkins\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/na\/author\/ian-hawkins\/\">Ian Hawkins<\/a>. <span>Last reviewed on March 12, 2026<\/span>. <span>Next review due 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Ian Hawkins<\/div>\n <div class=\"role-user\">Head of Content<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42336420 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"42336420\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4960bd2e e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"4960bd2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div 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class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t<div class=\"aivoov-player-block\">\n\t<div class=\"read_this\">Read this article to me<\/div>\n\t\t\t<style>\n\t\t\t.plyr__controls .plyr__controls__item:first-child{\n\t\t\t\tbackground:#2e9c8e !important;\n\t\t\t}\n\t\t\t:root{\n\t\t\t--plyr-color-main:#2e9c8e;\n\t\t\t--plyr-audio-controls-background:#f0f2f4;\n\t\t\t--plyr-audio-control-color:#546a7b;\n\t\t\t}\n\t\t\t[data-plyr=\"mute\"]{color:#2e9c8e !important}\n\t\t\t.aivoov-text-color{color:#546a7b}\n\t\t<\/style> \n\t\t<div class=\"audio_player\">\n\t\t<audio class=\"js-player\" controls=\"\">\n\t\t\t<source src=\"https:\/\/monky-voice-over.s3.amazonaws.com\/aivoov\/781640cc-7bc1-4bbf-9492-22dedc19678b\/f22a3f03-458c-4184-b60c-213951392d9f.mp3\" type=\"audio\/mp3\">\n\t\t\t<source src=\"https:\/\/monky-voice-over.s3.amazonaws.com\/aivoov\/781640cc-7bc1-4bbf-9492-22dedc19678b\/f22a3f03-458c-4184-b60c-213951392d9f.mp3\" type=\"audio\/ogg\" \/>\n\t\t<\/audio> \n\t\t\t\t <div class=\"powerd_by aivoov-text-color\"><p><a rel=\"nofollow noopener\" target=\"_blank\" href=\"http:\/\/aivoov.com\/?um_source=plugin_powered_by\" style=\"color: inherit;\">Powered by AiVOOV<\/a><\/p><\/div>\n\t\t \n\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2df328 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2df328\" data-element_type=\"section\" data-e-type=\"section\" id=\"calculator\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0de743c\" data-id=\"0de743c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7581339 elementor-widget elementor-widget-ucaddon_amortization_calculator\" data-id=\"7581339\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_amortization_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n<div class=\"form-calculator\" >\n <div class=\"left_column\">\n\n <form id=\"amortization-calculator\">\n <div class=\"form-group\">\n <label for=\"loanAmount\">Loan amount<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">N$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"loanAmount\" value=\"330000\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"loanTerm\">Loan term<\/label>\n <div class=\"tag-number\">\n <span id=\"loanTermValue\" class=\"value-tag\">20<\/span> years <\/div>\n <\/div>\n <input type=\"range\" class=\"slider\" id=\"loanTerm\" min=\"10\" max=\"30\" step=\"5\" value=\"20\" aria-label=\"\">\n <\/div>\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"interestRate\">Interest rate<\/label>\n <div class=\"tag-number\">\n <span id=\"interestRateValue\" class=\"value-tag\">4<\/span>%\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" class=\"slider\" id=\"interestRate\" min=\"1\" max=\"10\" step=\"0.1\" value=\"4\" aria-label=\"\">\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"loanStartDate\">Loan start date<\/label>\n <input type=\"text\" class=\"form-control\" id=\"loanStartDate\">\n <\/div>\n <\/form>\n\n <p class=\"note-calculator\">This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.<\/p>\n\n <\/div>\n \n <div class=\"right_column\">\n <p class=\"title\">Your results<\/p>\n\n <p class=\"title-result\">Monthly payment<\/p>\n <p class=\"number-result\">N$<span id=\"monthlyPayment\"><\/span><\/p>\n\n <p class=\"title-result\">Weekly payment<\/p>\n <p class=\"number-result\">N$<span id=\"weeklyPayment\"><\/span><\/p>\n\n <p class=\"title-result\">Daily payment<\/p>\n <p class=\"number-result\">N$<span id=\"dailyPayment\"><\/span><\/p>\n\n <p class=\"title-result\">Total interest paid<\/p>\n <p class=\"number-result\">N$<span id=\"totalInterest\"><\/span><\/p>\n\n <p class=\"title-result\">Total cost of loan<\/p>\n <p class=\"number-result\">N$<span id=\"totalCost\"><\/span><\/p>\n\n <p class=\"title-result\">Number of payments<\/p>\n <p class=\"number-result\"><span id=\"numPayments\"><\/span><\/p>\n\n <p class=\"title-result\">Payoff date<\/p>\n <p class=\"number-result\"><span id=\"payoffDate\"><\/span><\/p>\n\n <a href=\"https:\/\/namibia.swoopfunding.com\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\">Borrow N$<span id=\"resultCTA\"><\/span><\/a>\n\n <\/div>\n\n<\/div>\n\n<div class=\"tab-content\">\n \n <ul class=\"nav nav-tabs\" id=\"myTabs\">\n <li class=\"nav-item\">\n <a class=\"nav-link active\" id=\"chart-tab\" data-toggle=\"tab\" href=\"#chartTab\">Chart<\/a>\n <\/li>\n <li class=\"nav-item\">\n <a class=\"nav-link\" id=\"schedule-tab\" data-toggle=\"tab\" href=\"#scheduleTab\">Schedule<\/a>\n <\/li>\n <\/ul>\n\n \n <div class=\"tab-pane fade show active\" id=\"chartTab\">\n <h4>How payments change over the life of a <span id=\"loanTermYears\">20<\/span> year loan<\/h4>\n <canvas id=\"lineChart\"><\/canvas>\n <\/div>\n\n \n <div class=\"tab-pane fade\" id=\"scheduleTab\">\n <h4>Amortization schedule breakdown<\/h4>\n <div id=\"accordion\"><\/div>\n <\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-5770da3 e-flex e-con-boxed e-con e-parent\" data-id=\"5770da3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46be4c9 elementor-widget elementor-widget-heading\" data-id=\"46be4c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is an amortisation?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abb0b48 elementor-widget elementor-widget-text-editor\" data-id=\"abb0b48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Amortisation is the process of spreading out a loan into fixed payments over time, where each payment covers both the principal amount and the interest accrued.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94a5839 elementor-widget elementor-widget-heading\" data-id=\"94a5839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to calculate amortisation?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a12505 elementor-widget elementor-widget-text-editor\" data-id=\"3a12505\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">To calculate amortisation, you can use the amortisation formula, which involves determining the periodic payment amount based on the loan amount, interest rate , and loan term.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36edf97 elementor-widget elementor-widget-heading\" data-id=\"36edf97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is an amortisation schedule?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dde7e4 elementor-widget elementor-widget-text-editor\" data-id=\"9dde7e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex-1 overflow-hidden\"><div class=\"react-scroll-to-bottom--css-maqmk-79elbk h-full\"><div class=\"react-scroll-to-bottom--css-maqmk-1n7m0yu\"><div class=\"flex flex-col pb-9 text-sm\"><div class=\"w-full text-token-text-primary\" data-testid=\"conversation-turn-23\"><div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\"><div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem] group final-completion\"><div class=\"relative flex w-full flex-col lg:w-[calc(100%-115px)] agent-turn\"><div class=\"flex-col gap-1 md:gap-3\"><div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"8ed689ca-57a1-44d9-be79-6cd653749d2b\"><div class=\"markdown prose w-full break-words dark:prose-invert light\"><p>An amortisation schedule is a detailed table or spreadsheet that outlines the systematic repayment of a <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/\">loan<\/a> over time. It provides a comprehensive breakdown of each loan payment, specifying how much of each payment goes toward reducing the principal amount and how much is allocated to cover interest expenses.\u00a0<\/p><p>The schedule outlines each installment payment into two primary components:<\/p><ul><li style=\"list-style-type: none\"><ul><li><strong>Principal payment:<\/strong> The portion of the payment that goes towards reducing the outstanding loan amount.<\/li><li><strong>Interest payment:<\/strong> The amount allocated to cover the interest accrued on the remaining loan balance<\/li><\/ul><\/li><\/ul><p>Furthermore, the schedule displays the remaining balance of the loan at the beginning and end of each period. As the loan is repaid, the outstanding balance gradually decreases. Additionally, it provides transparency into the total cost of borrowing and can be a valuable tool for comparing different loan options.\u00a0<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3cf296 elementor-widget elementor-widget-heading\" data-id=\"f3cf296\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to create an amortisation schedule?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f9920c elementor-widget elementor-widget-text-editor\" data-id=\"2f9920c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">To create an amortisation schedule, list out each payment period, calculate the payment amount for each period using the amortisation formula, and track the allocation of each payment towards the principal and interest.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-351fc95 elementor-widget elementor-widget-heading\" data-id=\"351fc95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1da2ad align-at-right uael-faq-box-layout-yes elementor-widget elementor-widget-uael-faq\" data-id=\"e1da2ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<div id='uael-faq-wrapper-236' class=\"uael-faq-wrapper\">\n\t\t\t\t<div class=\"uael-faq-container uael-faq-layout-accordion\" data-layout=\"accordion\" >\n\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-ff19c8c\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-right\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-ff19c8c uael-question-span\" tabindex=\"0\" id=\"uael-faq-1-69bb3d11309f1\">What is the formula for Amortisation factor?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p><span style=\"font-weight: 400\">The formula for the amortisation factor depends on the specific context. In the context of loan amortisation, the amortisation factor is used to calculate the periodic payment amount based on the loan amount, interest rate, and loan term. It is typically derived from the annuity formula.<\/span><\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c642cb elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"8c642cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">All calculators<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loan-calculator\/adr-calculator\/\">ADR calculator <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loan-calculator\/apy-calculator\/\">APY calculator <\/a>\n <\/li>\n <li >\n <a 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class=\"btn-floating-cta\">Calculate now<\/a>\n<\/div>\n\n<div class=\"trustpilot-widget-floating-cta\">\n \n <script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n \n\n \n <div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>An amortisation calculator is a financial tool designed to assist businesses in understanding and planning the repayment of loans over time. It helps seeking clarity on your repayment journey and making informed financial decisions.<\/p>\n","protected":false},"author":43,"featured_media":0,"parent":17791,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-39142","page","type-page","status-publish","hentry"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>An amortisation calculator is a financial tool designed to assist businesses in understanding and planning the repayment of loans over time. It helps seeking clarity on your repayment journey and making informed financial decisions.<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Ian Hawkins","url":"https:\/\/swoopfunding.com\/na\/author\/ian-hawkins\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages\/39142","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/comments?post=39142"}],"version-history":[{"count":3,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages\/39142\/revisions"}],"predecessor-version":[{"id":45229,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages\/39142\/revisions\/45229"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages\/17791"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/media?parent=39142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}