🏦 Loan Calculator
Enter the loan amount, annual rate and term in months to see monthly payments, total interest, total cost and a full repayment schedule using four methods: equal payment, equal principal, interest-only/bullet and graduated (step-up). Grace period, extra prepayments and per-installment rate changes are all supported. Every calculation runs in your browser.
Prepayment / rate change
🔒 Runs 100% in your browser. Your data never leaves your device.
How to use
- Enter the loan amount.
- Enter the annual interest rate and the term in years.
- See your monthly payment, total interest and total cost instantly.
FAQ
How is the monthly payment calculated?
It uses the standard amortization formula for a fixed-rate loan with equal monthly payments over the full term.
Does it include taxes or fees?
No. It estimates principal and interest only. Taxes, insurance and fees are not included.
Is my data saved?
No. Every calculation runs in your browser and nothing is uploaded.