Loan Calculator

Calculate your monthly payment, total interest, and full amortization schedule for any loan.

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How to Use the Loan Calculator

Enter your loan amount, the annual interest rate offered by your lender, and the loan term. Toggle between years and months depending on how your loan is structured. The calculator instantly shows your monthly payment, total amount paid over the life of the loan, and total interest charged.

The amortization schedule shows a month-by-month breakdown of how each payment is split between principal and interest, and how your remaining balance decreases over time.

Frequently Asked Questions

How do I calculate my monthly loan payment?
Enter your loan amount, annual interest rate, and term above. The monthly payment is calculated using the standard amortization formula: M = P[r(1+r)^n] / [(1+r)^nโˆ’1].
What is amortization?
Amortization is the process of paying off a loan through regular payments. Early payments are mostly interest; later payments are mostly principal. The full schedule is shown in the table above.
How much interest will I pay on my loan?
Enter your loan details and the calculator shows the total interest charged over the full loan term in the summary boxes.
What is APR vs interest rate?
The interest rate is the base borrowing cost. APR includes the interest rate plus fees, giving a more complete picture. This calculator uses the interest rate โ€” for APR calculations, use the APR figure from your lender.
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