Enter the amount, interest rate and term to see your monthly payment, the total interest, and everything you'll repay.
A loan calculator turns three numbers — amount, interest rate and term — into the figure that actually matters: your monthly payment. It uses the standard amortization formula, where each payment covers the month's interest plus a slice of the principal. Early on most of the payment is interest; later most is principal. The tool also shows the total interest and the total amount repaid, so you can see the true cost of borrowing before you sign.
Two levers move total interest the most: a lower rate and a shorter term. A shorter term raises the monthly payment but can save thousands overall. Making a small extra payment each month also shortens the loan and reduces interest. Use this for personal loans, car finance and mortgages alike.
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