Loan Calculator
Calculate your monthly loan payment, total interest, and see a full amortization breakdown. Uses the standard amortization formula M = P[r(1+r)^n] / [(1+r)^n - 1].
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $188.71 | $147.05 | $41.67 | $9,852.95 |
| 2 | $188.71 | $147.66 | $41.05 | $9,705.30 |
| 3 | $188.71 | $148.27 | $40.44 | $9,557.02 |
| 4 | $188.71 | $148.89 | $39.82 | $9,408.13 |
| 5 | $188.71 | $149.51 | $39.20 | $9,258.62 |
| 6 | $188.71 | $150.13 | $38.58 | $9,108.48 |
| 7 | $188.71 | $150.76 | $37.95 | $8,957.72 |
| 8 | $188.71 | $151.39 | $37.32 | $8,806.34 |
| 9 | $188.71 | $152.02 | $36.69 | $8,654.32 |
| 10 | $188.71 | $152.65 | $36.06 | $8,501.66 |
| 11 | $188.71 | $153.29 | $35.42 | $8,348.37 |
| 12 | $188.71 | $153.93 | $34.78 | $8,194.45 |
Showing first 12 of 60 months.
How to use the loan calculator
Enter the loan principal (the amount you're borrowing), the annual interest rate as a percentage, and the loan term in either years or months. The monthly payment, total payment, and total interest are calculated instantly.
Amortization formula
The monthly payment M is calculated using 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 (annual rate ÷ 12), and n is the number of monthly payments. For 0% interest, M = P / n.
Amortization schedule
The table shows the first 12 months of your loan, breaking each payment into its principal and interest components. Early payments are weighted more toward interest; as the balance falls, more of each payment goes toward principal.
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