{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://askcalculators.com/calculator/annuity-on-loan-table-creator/schema.json",
  "title": "Annuity on Loan Table Creator inputs",
  "description": "Create an equal-payment loan amortization table for an ordinary annuity or annuity due.",
  "type": "object",
  "properties": {
    "principal": {
      "title": "Loan amount",
      "type": "number",
      "default": 25000,
      "minimum": 0.01,
      "x-step": 100,
      "multipleOf": 100,
      "x-unit": "currency"
    },
    "annualRate": {
      "title": "Annual nominal interest",
      "type": "number",
      "default": 7.5,
      "minimum": 0,
      "maximum": 100,
      "x-step": 0.01,
      "x-unit": "percent"
    },
    "paymentsPerYear": {
      "title": "Payments per year",
      "type": "number",
      "default": 12,
      "minimum": 1,
      "maximum": 365,
      "x-step": 1,
      "multipleOf": 1
    },
    "years": {
      "title": "Term in years",
      "type": "number",
      "default": 4,
      "minimum": 0.01,
      "maximum": 100,
      "x-step": 0.25
    },
    "paymentTiming": {
      "title": "Payment timing",
      "type": "string",
      "default": "end",
      "enum": [
        "end",
        "begin"
      ],
      "x-optionLabels": {
        "end": "End of each period (ordinary)",
        "begin": "Beginning of each period (annuity due)"
      }
    }
  },
  "required": [
    "principal",
    "annualRate",
    "paymentsPerYear",
    "years",
    "paymentTiming"
  ],
  "additionalProperties": false,
  "x-askcalculators": {
    "version": "1.0.0",
    "calculatorUrl": "https://askcalculators.com/calculator/annuity-on-loan-table-creator/",
    "queryExample": "https://askcalculators.com/calculator/annuity-on-loan-table-creator/?principal=25000&annualRate=7.5&paymentsPerYear=12&years=4&paymentTiming=end",
    "migrationStatus": "new",
    "reviewStatus": "pending",
    "pageStatus": "live",
    "workStatus": "pending",
    "formula": {
      "expression": "payment = PV × i ÷ [1 − (1+i)^−n], adjusted by ÷(1+i) for beginning-of-period payments"
    },
    "quality": {
      "availability": "live",
      "technicalReviewRecord": "/reviews/annuity-on-loan-table-creator.json",
      "qualifiedReview": "pending",
      "qualifiedReviewer": null,
      "qualifiedReviewDate": null,
      "formulaVersion": "1.0.0",
      "referenceCoverage": "references-pending",
      "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
      "historicalMetadataDate": "2026-09-01",
      "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
    },
    "outputs": {
      "payment": {
        "title": "Periodic payment",
        "type": "number",
        "x-format": "currency",
        "x-primary": true
      },
      "totalInterest": {
        "title": "Total interest",
        "type": "number",
        "x-format": "currency"
      },
      "totalPaid": {
        "title": "Total of payments",
        "type": "number",
        "x-format": "currency"
      },
      "paymentCount": {
        "title": "Number of payments",
        "type": "number",
        "x-format": "integer"
      },
      "effectiveAnnualRate": {
        "title": "Effective annual rate",
        "type": "number",
        "x-format": "percent",
        "x-digits": 6
      }
    }
  }
}