The loan's Schedule tab (/loans/{id}?tab=schedule) shows two schedules, each topped with a totals summary so you can see the loan's full cost at a glance.
Active (live) vs. Standard (contractual)
- Active Payment Schedule — the live schedule. It reflects recorded payments, late/missed status, and any re-projected rows, so it shrinks as extra principal is paid down.
- Standard Payment Schedule — the original contractual projection: every payment on time, for reference.
The totals row
Each schedule carries a three-up summary:
- Total principal
- Total interest
- Total cost (P&I) — principal + interest. (Escrow is a pass-through and is excluded from total cost.)
The interest-vs-scheduled delta
On the Active schedule, when the live interest differs from the original contract, NoteHarbor shows the difference beneath Total interest — for example −$1,240.18 vs. scheduled in green when curtailments have saved interest (or a positive amber figure if interest ran higher). It's the at-a-glance payoff of paying ahead: extra principal shortens the loan and cuts total interest.
See Recording a payment for how extra principal re-projects the schedule, and Creating a loan for setting the contractual terms.