Personal finance
Loan and monthly payment calculator
Calculate monthly payment, interest, total cost and the effect of extra monthly payments.
Compare level-payment loans using principal, nominal annual rate and term in months. You can also simulate an additional monthly payment.
A lender’s quoted rate may exclude insurance, commissions, legal expenses and other charges.
Privacy by design
Your data is calculated locally and is not sent to a server.
Before using the result
What to keep in mind
- Always request the effective rate and total borrowing cost.
- The calculation supports 1–600 months, divides the nominal annual rate by twelve, rounds payments to cents and adjusts the final instalment. Insurance, fees and prepayment penalties are excluded.
Notice: This tool provides an informational estimate. It is not legal, employment, accounting or financial advice and does not replace a determination by the relevant authority.