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Calculate monthly payments, total interest, and view a full amortization schedule for any loan. Mortgage, auto, personal — instant results.
Calculate your loan payments instantly — no signup, no ads tracking you, no data sent anywhere. Enter your loan amount, interest rate, and term to see your monthly payment, total cost, and a complete amortization schedule. Works for mortgages, auto loans, personal loans, student loans, and business financing. Everything runs in your browser.
Enter your loan amount, interest rate, and loan term. The calculator instantly shows your monthly payment, total interest, and total cost. It uses the standard amortization formula: M = P[r(1+r)^n] / [(1+r)^n - 1], where P is principal, r is monthly rate, and n is the number of payments.
An amortization schedule breaks down every payment over the life of a loan, showing how much goes toward principal vs interest each month, plus the remaining balance. Early payments are mostly interest; later payments are mostly principal. The schedule helps you see exactly when you'll build equity faster.
Yes. This calculator works for any fixed-rate loan — mortgages, auto loans, personal loans, student loans, and business loans. Enter your loan details and get instant results with a full amortization table. For adjustable-rate mortgages, use the initial rate for an estimate.
A down payment reduces the amount you borrow (the principal). A larger down payment means lower monthly payments, less total interest paid, and a better loan-to-value (LTV) ratio, which can help you qualify for better interest rates. For mortgages, 20% down eliminates PMI requirements.