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Loan Calculator

Calculate monthly payments, total interest, and amortization. Free, private — all processing in your browser.

Loan Amount ($)

Interest Rate (%)

Term (years)

Monthly Payment

$1580.17

Total Interest

$318,861

Total Payment

$568,861

Principal: 44%Interest: 56%

Monthly payment$1580.17

Total of 360 payments$568861.22

Total interest paid$318861.22

Interest-to-principal ratio56%

Effective cost228% of loan amount

How to use

1. Enter or paste your data in the input area above
2. Adjust settings or options as needed
3. Click the action button or see real-time results
4. Copy the result with the copy button

All processing happens in your browser. Nothing is sent to any server.

About this tool

Calculate monthly loan payments, total interest, and total payment amount. Enter the loan principal, annual interest rate, and loan term in years to see the monthly payment calculated using the standard amortization formula. The tool displays three key figures: monthly payment amount, total interest paid over the life of the loan, and total amount paid (principal + interest). Use it for mortgage planning, auto loan comparison, student loan analysis, and any fixed-rate loan calculation. All computation happens instantly in your browser.