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Loan Calculator

Work out the monthly payment and total interest on any fixed-rate, fixed-term loan.

per month
Total repaid
Total interest paid

Assumes a fixed rate and equal monthly payments over the full term. Real loans may add arrangement fees or use a different interest calculation method — check your lender's representative APR example.

FAQ

What's APR and does this calculator use it directly?
APR (Annual Percentage Rate) is meant to reflect the total yearly cost including most fees. This calculator applies the rate you enter as a simple amortizing interest rate — for a precise comparison, use the lender's own representative example, since some fees aren't captured by the amortization formula alone.

Sources