<prompt> Human: I believe Infiniti is charging me extra interest, but Im not sure if Im just doing the math wrong.Originally, I was financed 19,500. I put 1000 in up front cash towards my payment, but Im not sure its included in that 19,500. I have an APR of 2.98. I bought the car on 10162017 exactly 10 months ago. My monthly payment is 334 and so far Ive paid 3344. Im on a 60 month payment plan.This is all from their website. Whats strange to me is the breakdown of the 3344. It says out of that my Principal Paid is 2931 and my Interest Paid is 413. By all the calculation tools I found online my interest paid SHOULD be closer to 300.the TOTAL interest Ive calculated over 5 years for my APR rate should be around 1750. At the rate Im going now, its going to be closer 2820. A big deal for me.I would really appreciate a sanity check.Edit: Curious Meekrat answered my question. Tl;dr: interest payment is not static. You pay more interest in your first year than you do in your last year on the loan which makes total sense. Good to know. Thanks!Assistant: Use an amortization calculator like this one: Just plugging in your numbers for a 5 year loan it came out pretty close to 350 a month with your interest paid per loan payment should have started around 48.50 and should now be around 40, with principal reduction starting around 301 and now around 308. The interest you pay decreases a bit each payment because you are also chipping away at the principal on which the interest is earned. It is not constant. For example, your first payment was roughly 300 principal and 50 interest, your last payment will be almost entirely principal. Shows on 19.5k of principal a final interest paid of 1513. The numbers all look a little bit off but its in the right ballpark so I assume slight variance somewhere, likely in the compounding. Human: Ah. THANK YOU. Very helpful. I used the website which basically told me the same thing you did, I pay more interest up front and less as I go along. I had assumed it was a static rate. Really appreciate it.  <response>: No problem. This is also how you can save a ton of money on a loan by paying down extra principal early in the amortization schedule leaving less principal to charge interest on for the remaining years. Thats not so helpful for car loans because they are relatively short and its not often you come into a big chunk of cash right after youve taken one out, but for longer amortizing loans like mortgages it can make a huge difference in the interest you pay. Ex: A 30 year fixed for 200k 4 interest, monthly payment is around 955. If you add a monthly prepayment to principal of 100 from payment 1 you will pay only 116k interest instead of 143k interest saving you almost 27k in interest and cut almost 5 years off the payment term of the loan. 