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Loan Calculator Online

Calculate monthly payments, total interest, and full amortization schedule

Como usar Calculadora de Empréstimos

  1. 1

    Enter the loan amount

    Type the total amount you plan to borrow in the Loan Amount field.

  2. 2

    Set the annual interest rate

    Enter the annual percentage rate (APR) quoted by your lender.

  3. 3

    Set the loan term

    Choose years or months and enter the repayment period.

  4. 4

    Optionally add a down payment

    If you are making a down payment, enter that amount to calculate the financed balance automatically.

  5. 5

    Review the results

    Your monthly payment, total interest, and full month-by-month amortization schedule appear instantly on the right.

Perguntas frequentes

Is my data safe?
Yes. All processing happens entirely in your browser. Your data never leaves your device and is never uploaded to any server.
What is an amortization schedule?
An amortization schedule is a complete table of every loan payment, showing exactly how much of each payment goes to interest and how much reduces the principal balance. Early payments are heavily weighted toward interest; later payments pay down more principal.
Why does the interest portion change each month?
Because interest is calculated on the remaining balance, which decreases with each payment. As your balance falls, less interest accrues, so more of each fixed payment goes toward principal — a process called amortization.
Can I use this calculator for a mortgage?
Yes. Enter the home price minus your down payment as the loan amount, your mortgage rate as the annual rate, and 30 or 15 years as the term. The calculator gives you the principal and interest portion of your payment. Note that actual mortgage payments also include property tax, insurance, and possibly PMI, which this calculator does not include.
What happens when the interest rate is 0%?
With a 0% interest rate the calculator correctly computes equal principal-only payments by dividing the loan amount by the number of months, resulting in no interest charges over the life of the loan.

Saiba mais

O que é Loan Calculator?

Calculate your monthly loan payment, total interest paid, and full amortization schedule instantly in your browser. Works for mortgages, auto loans, personal loans, student loans, and any fixed-rate installment loan. Enter the loan amount, interest rate, term, and optional down payment to see exactly how each payment is split between principal and interest over the life of the loan. No data is uploaded — all calculations happen locally on your device.

Por que usar Loan Calculator?

  • Full amortization schedule — see the exact principal and interest split for every single payment over the loan term.
  • Instant updates — results recalculate as you type, no form submission needed.
  • Any loan type — works for mortgages, auto loans, personal loans, student loans, and business loans.
  • Handles 0% interest — correctly calculates equal principal payments when the rate is zero.
  • 100% private — your loan details never leave your browser and are never stored anywhere.

Casos de uso de Loan Calculator

Mortgage planning

Compare 15-year vs 30-year mortgages side by side to understand the total interest cost difference before committing to a home purchase.

Car loan comparison

Evaluate dealer financing versus bank loans by entering different rates and terms to find the lowest total cost of ownership.

Student loan repayment

Model repayment scenarios for student debt to see how extra monthly payments can dramatically shorten the loan term.

Business loan analysis

Determine whether a business loan's monthly payment fits your cash flow before signing, and understand the true cost of borrowing.

Dicas e boas práticas

  • 💡Longer loan terms lower your monthly payment but dramatically increase total interest paid — a 30-year mortgage typically costs twice as much in total interest as a 15-year mortgage at the same rate.
  • 💡Early in a loan, most of your payment goes toward interest rather than principal — this is why extra payments made early have the biggest impact on total interest saved.
  • 💡Making one extra principal payment per year on a 30-year mortgage can cut 4–7 years off the loan depending on the interest rate.

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