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Calculate monthly payments, total cost, and interest for any loan. View a detailed amortization schedule.
Enter the loan amount, annual interest rate, and loan term. For a mortgage, typical values might be $300,000 at 6.5% for 30 years.
Monthly payment, total payment, total interest, and interest ratio are calculated in real-time. View the repayment chart to visualize how principal and interest break down over time.
Click 'Show details' to see a month-by-month breakdown of payment, principal, interest, and remaining balance.
Enter values to calculate
Loan Calculator is an online tool for simulating monthly payments, total cost, and interest for mortgages, auto loans, personal loans, and more. Simply enter the loan amount, annual interest rate, and loan term to get real-time results based on standard amortization. Use the repayment chart and detailed amortization schedule to plan your finances with confidence.
An amortizing loan has fixed monthly payments that cover both principal and interest. Early payments are mostly interest, while later payments are mostly principal. Most mortgages and auto loans use this structure.
Your interest rate is stated in your loan offer or contract documents. For mortgages, lenders advertise both fixed and adjustable rates. Make sure to enter your actual rate for accurate results.
This tool uses the standard amortization formula for equal monthly payments. Your actual loan may differ if it includes fees, insurance, or other charges. Always confirm with your lender.
This tool calculates standard scheduled payments and does not model prepayments or extra principal payments. Use your lender's dedicated prepayment calculator for that scenario.
The interest ratio shows what percentage of your total payment goes toward interest. A higher interest ratio means more of your money is going to the lender rather than reducing your principal. Shorter loan terms and lower rates result in a lower interest ratio.