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Loan repayment

Your payment, total interest and the full repayment schedule for any loan, before you sign. No account needed.

Your numbers

Answer each Yes/No question, then fill in the amounts that appear. Use 0 only when an amount is truly zero. Want to see how it works first? Load example numbers below.

Is the rate fixed, with the same payment each time and no large final (balloon) payment?

Not for variable rates or interest-only loans. For a line of credit, answer Yes if you want to see how fast a fixed payment clears what you drew; remember the real rate can move with the prime rate.

YesNo

What kind of loan is it?This tunes the hints and the notes under your result. The math is the same fixed-payment loan for every kind.

How much are you borrowing? (dollars)

For example, 25,000. If a fee is added to the loan, include it here.

How long will you take to repay it?Car loans are often 5 or 6 years; equipment loans up to 10; SBA 7(a) loans up to 10 years, or 25 for real estate.

How often will you make a payment?Most loans are paid monthly. Your loan papers say.

Does this loan charge interest?

YesNo

Are there fees you pay up front, in cash?

Like an origination or packaging fee. If the fee is added to the loan, include it in the amount you borrow instead.

YesNo

Your answer shows up here.

Answer the questions, then press Calculate.
Or load example numbers to see how it works.

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Assumptions, sources & limitations

Planning estimates only. Not a tax return, filing, payment, lending quote or personalized advice. Results depend on complete and accurate inputs. No guarantee of savings or penalty protection. Tax figures checked October 31, 2026; changes and special rules may apply. This initial release needs firm validation before client reliance.