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Balloon Payment Calculator
Model a loan with payments based on one amortization period but a final balance due sooner.
Balloon Payment Calculator
Enter your numbers and the result updates straight away.
Outputs
Planning estimate only. Verify assumptions before making a financial decision.
A ten-year amortization with a five-year balloon leaves the unpaid principal due at the end of year five.
How this calculation works
The payment is based on the full amortization term and the balance is rolled forward to the balloon month.
How to interpret the result
Ensure there is a credible repayment or refinance plan for the final balance.
Limitations
Results are educational planning estimates. They do not include every tax, legal, accounting, financing, or business-specific consideration and are not professional advice.
Formula and example
A ten-year amortization with a five-year balloon leaves the unpaid principal due at the end of year five.
Common use cases
- Structure seller notes.
- Measure refinancing exposure.
- Compare balloon and fully amortizing offers.
Balloon Payment Calculator FAQ
Is the balloon payment an extra fee?
No. It is the unpaid principal remaining when the note matures before the full amortization period ends.
Can the balloon be refinanced?
Possibly, but refinancing depends on future rates, credit, collateral, cash flow, and lender appetite.
How is Balloon calculated?
The payment is based on the full amortization term and the balance is rolled forward to the balloon month.
How should I interpret the result?
Ensure there is a credible repayment or refinance plan for the final balance.