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🏦 Loan Calculator

Calculate loan repayments, monthly interest, and amortization schedules. Useful for mortgages and personal loans.

Loan Calculator

Calculate monthly repayments, total cost, and yearly amortization for a loan. Enter the loan amount, interest rate, and term to see results.

Amount

Rate %

Years

Currency

Monthly

£299.71

Total

£10789.52

Interest

£789.52

Amortization Schedule (per year)

Year	Principal	Interest	Balance
1	£3168.46	£428.04	£6831.54
2	£3330.57	£265.94	£3500.97
3	£3500.97	£95.54	£0.00

Enter the loan amount, interest rate, term length, and currency.
Review monthly payment, total cost, and interest summary cards.
Scan the amortization table to understand how principal and interest change over time.

Experiment with extra payments by shortening the term or lowering the amount and comparing totals.
Check the yearly amortization table to see how much interest you're paying upfront versus later.
Consider taxes and insurance separately—this calculator focuses on principal and interest only.

Can I simulate zero interest loans?: Yes. Set the rate to 0 and the calculator divides the amount evenly across the term.
Does the tool handle bi-weekly payments?: Not yet. Convert the term and rate to a monthly equivalent for a rough estimate.
Are currency conversions included?: No. The currency selector changes the symbol only—use the Currency Converter tool for exchange rates.

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