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Loan calculator
Estimate the time to repay a debt, total repayment, and interest from the balance, rate, and monthly payment.
See how long payoff may take and estimate the final payment if the current terms stay unchanged.
A planning estimate assuming a fixed rate and the same payment every month.
Calculate to see the estimated payoff period and total interest.
The calculator adds monthly interest and subtracts the payment repeatedly until no balance remains.
In the last month, the remaining principal and interest may be less than the regular payment.
Yes. The balance is divided by the payment, with any partial remainder counted as one month.
The payment does not exceed accruing interest or the balance would remain after 100 years.