Loan Calculator

Calculate monthly payments, total interest, and loan details

Plan your loan payments with our comprehensive loan calculator. Calculate monthly payments for mortgages, auto loans, personal loans, and more.

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Free & Accurate

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Loan Calculator

Loan Tips

  • • Shop around for the best interest rates
  • • Consider making extra principal payments
  • • Check your credit score before applying
  • • Read all loan terms carefully
  • • Consider loan insurance options

How Our Loan Calculator Works

Accurate loan calculations using standard financial formulas

Enter Loan Details

Input your loan amount, interest rate, and term length. Our calculator supports various loan types including mortgages, auto loans, and personal loans.

Automatic Calculation

We use the standard loan payment formula to calculate your monthly payment, total interest, and create a detailed payment schedule.

Detailed Results

Get comprehensive results including monthly payment, total interest, payment schedule, and amortization details.

Frequently Asked Questions

Common questions about loan calculations

What is the loan payment formula used?

We use the standard loan payment formula: M = P [ r(1 + r)^n ] / [ (1 + r)^n - 1 ], where M is the monthly payment, P is the principal, r is the monthly interest rate, and n is the number of payments.

Does the calculator include taxes and insurance?

Our calculator shows the principal and interest payment only. For mortgages, taxes and insurance are typically added to your monthly payment by your lender.

Can I calculate different loan types?

Yes! Our calculator works for mortgages, auto loans, personal loans, student loans, and other standard installment loans. The calculation method is the same for all loan types.

How accurate are the calculations?

Our calculations are highly accurate and use the same formulas that banks and lenders use. However, actual loan terms may vary based on your credit score and lender policies.

Can I see the payment schedule?

Yes! Our calculator shows the first 12 months of your payment schedule, including how much goes toward principal and interest each month.