| Simple | Progressive | Perfect | Progressive |
| Present |
| I amortize |
| you amortize |
| he/she/it amortizes |
| we amortize |
| you all amortize |
| they amortize |
|
| I am amortizing |
| you are amortizing |
| he/she/it is amortizing |
| we are amortizing |
| you all are amortizing |
| they are amortizing |
|
| I have amortized |
| you have amortized |
| he/she/it has amortized |
| we have amortized |
| you all have amortized |
| they have amortized |
|
| I have been amortizing |
| you have been amortizing |
| he/she/it has been amortizing |
| we have been amortizing |
| you all have been amortizing |
| they have been amortizing |
|
| Past |
| I amortized |
| you amortized |
| he/she/it amortized |
| we amortized |
| you all amortized |
| they amortized |
|
| I was amortizing |
| you were amortizing |
| he/she/it was amortizing |
| we were amortizing |
| you all were amortizing |
| they were amortizing |
|
| I had amortized |
| you had amortized |
| he/she/it had amortized |
| we had amortized |
| you all had amortized |
| they had amortized |
|
| I had been amortizing |
| you had been amortizing |
| he/she/it had been amortizing |
| we had been amortizing |
| you all had been amortizing |
| they had been amortizing |
|
| Future |
| I will amortize |
| you will amortize |
| he/she/it will amortize |
| we will amortize |
| you all will amortize |
| they will amortize |
|
| I will be amortizing |
| you will be amortizing |
| he/she/it will be amortizing |
| we are amortizing |
| you all will be amortizing |
| they will be amortizing |
|
| I will have amortized |
| you will have amortized |
| he/she/it will have amortized |
| we will have amortized |
| you all will have amortized |
| they will have amortized |
|
| I will have been amortizing |
| you will have been amortizing |
| he/she/it will have been amortizing |
| we will have been amortizing |
| you all will have been amortizing |
| they will have been amortizing |
|
