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But, if you specifically use the phrase . If you use the term . You will find at the bottom of this page an Excel template designed for these so- called . Download a free Calculator for a Simple Interest Loan or Mortgage. Learn about daily interest accrual and simple interest amortization.When you make your payment, you'll be paying both interest and a part of the principal. You can download my amortization schedule to see how this works in a spreadsheet. Assuming your payment is enough to cover the interest, the principal will be reduced and the amount of interest that accrues from that point on is based on the new loan balance (i. In this case, you never pay interest on interest. 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. 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