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Loan Calculator
数学Estimate personal loan and auto loan repayment schedules.
ttb run loan-calculator
60 mo
Monthly Payment
$193.28
Total Interest
$1,596.89
Total Paid
$11,596.89
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如何使用 Loan Calculator
Enter your loan amount, annual interest rate, and loan term in months or years. The calculator instantly shows your monthly payment, total interest paid, and total amount repaid. The amortization breakdown shows how each payment is split between principal and interest over the life of the loan. Compare different scenarios to find the best loan terms for your budget.
1
Enter your parameters
Configure the inputs for the Loan Calculator according to your specific needs.
2
View real-time results
The utility instantly processes your request and displays the calculated outputs directly in your browser.
3
Copy or Download
Click the copy icon next to the final output to instantly grab the result, or export it if applicable.
常见问题
How is the monthly payment calculated?+
We use the standard amortization formula: M = P[r(1+r)^n] / [(1+r)^n - 1], where P is the principal, r is the monthly interest rate, and n is the number of payments.
Does this include taxes and insurance?+
No, this calculates principal and interest (P&I) only. Your actual monthly payment for a mortgage would typically also include property taxes, homeowner's insurance, and potentially PMI.
What is amortization?+
Amortization is the process of spreading loan payments over time. In early payments, more goes toward interest. As the loan matures, more goes toward principal - this is why extra payments early on save the most money.