Loan Calculator

Calculate monthly payments, total interest, and see the full repayment schedule for any loan.

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Optional — reduces principal faster and saves interest.

Tips

Even Small Extra Payments Help

Adding just a small amount to your monthly payment can save you thousands in interest and shorten your loan by years.

Interest Is Front-Loaded

In early payments, most of your money goes to interest. Over time, more goes toward the principal. The amortization schedule shows this shift clearly.

Compare Rates Before You Commit

A difference of 0.5% in interest rate can mean tens of thousands in savings over a 30-year mortgage.

Your Data Stays Private

All calculations run in your browser. No financial data is sent to any server.

Casos de Uso Comuns

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Mortgage Planning

Estimate monthly payments and total cost for a home purchase before talking to a lender.

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Auto Loans

Compare financing options and see how different terms affect your car payment.

🎓

Student Loans

Plan repayment and see how extra payments can reduce the total cost of education debt.

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Debt Payoff Strategy

Calculate how much faster you can pay off a personal loan or credit line with extra payments.

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Refinancing Analysis

See how switching to a lower rate affects your remaining payments and total interest.

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Financial Education

Understand amortization, interest mechanics, and the true cost of borrowing.

Perguntas Frequentes

How is the monthly payment calculated?
We use the standard amortization 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 total number of payments.
What happens when I add extra payments?
Extra payments go directly toward reducing the principal. This lowers the interest charged in subsequent months, shortening the loan term and reducing total interest paid.
Is this accurate for my actual loan?
This calculator provides estimates based on the values you enter. Actual loans may include fees, taxes, insurance, or variable rates not modeled here. Always confirm with your lender.
Can I use this for variable-rate loans?
This calculator assumes a fixed interest rate. For variable-rate loans, you can run multiple calculations at different rates to see a range of outcomes.
Is my financial data sent to a server?
No. All calculations happen entirely in your browser. Nothing is stored or transmitted.
What is an amortization schedule?
An amortization schedule is a table showing each payment broken down into principal and interest, plus the remaining balance. It reveals how the ratio shifts over the life of the loan.
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