Loan calculator
Free, no sign-up. everything runs in your browser
Standard math for fixed-payment and constant-amortization loans, with compound-equivalent rate conversion. It does not include taxes, insurance or fees — the real cost from your lender (APR) is always a bit higher.
How to use
Frequently asked questions
With fixed payments, you pay the same amount every month. With declining payments (constant amortization), payments start higher and shrink monthly — and total interest usually ends up lower for the same rate and term. The calculator shows both side by side.
The simulation uses only the interest rate. Real payments also include taxes, insurance and fees, which form the APR your lender must disclose — always ask for it before signing.
No. The whole simulation runs in your browser — the values are never sent, stored or shared.