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Calculate monthly payments, total interest, and amortization metrics for personal, auto, or student loans.
Select your local currency for formatting calculations
Principal & Interest.
Cost of borrowing.
Principal + Interest.
Common questions and guides for using the Loan Calculator.
Enter the loan amount, interest rate, and term in years. The calculator uses the standard amortization formula to compute your fixed monthly payment, including both principal and interest.
The calculator shows total interest paid over the full loan term. This is the difference between the total cost of the loan and the original principal amount borrowed.
Use the formula: M = P[r(1+r)^n]/[(1+r)^n-1], where P is the principal, r is the monthly interest rate, and n is the number of payments. The calculator handles this automatically.
APR (Annual Percentage Rate) is the total yearly cost of borrowing, including interest and fees. It's higher than the nominal interest rate because it accounts for all borrowing costs.
Loan interest is calculated on the remaining balance each month. Early payments are mostly interest, while later payments are mostly principal. This is called amortization.
Most loans allow early payoff, which saves on future interest. Check your loan agreement for prepayment penalties. The calculator shows total interest, helping you see potential savings from early payoff.
Lenders determine borrowing limits based on income, credit score, debt-to-income ratio, and collateral. Use the calculator to experiment with different loan amounts and see corresponding monthly payments.
Extra payments reduce the principal faster, saving on total interest and shortening the loan term. The calculator shows the total interest, which helps you estimate savings from additional payments.
Shorter terms (2-3 years) have higher monthly payments but less total interest. Longer terms (5-7 years) have lower monthly payments but cost more in interest. Choose based on your budget and financial goals.
The calculator provides accurate amortization calculations based on standard financial formulas. Actual loan terms may vary based on lender fees, closing costs, and specific repayment structures.
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