Loan Calculator

Estimate equal loan payments, total interest and the effect of regular overpayments.

About this tool

Estimate an equal monthly loan payment and see how interest, fees and regular overpayments affect the total cost and payoff date.

Compare a standard plan with overpayments

The calculator simulates the balance month by month. It shows the scheduled payment, total interest, months saved and interest saved when you add a recurring overpayment.

Full amortization schedule

Review the first payments and the final payment on the page, then download the complete schedule as a CSV file. The model assumes a constant nominal annual rate and monthly interest calculation.

Private browser calculation

All values are calculated directly in your browser. The amounts entered in the form are not sent to the server.

How to use

Enter the loan amount, nominal annual rate and term. Add upfront fees and an optional monthly overpayment, calculate, then compare the payoff period and interest cost.

FAQ

Is Loan Calculator free?

Yes. Loan Calculator is free to use in the browser and does not require registration.

Should I verify the result?

Yes. Use the result as a practical helper and verify important decisions in the target system or with a qualified specialist when needed.

Can I enter sensitive data?

Avoid entering confidential, regulated or production-critical data into online tools unless you have verified the processing path.

How does an extra monthly payment change a loan?

It reduces principal faster, so later interest is charged on a smaller balance. The calculator simulates every payment and shows the estimated months and interest saved.

Is this result the same as APR?

No. The calculation uses the nominal interest rate and separately entered upfront fees. APR depends on the timing and legal treatment of all costs, so this result should be used as an estimate, not an APR quote.