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Loan calculator
Monthly payment, total interest and a payoff table. See what extra payments save. Mortgage, car loan.
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- No sign-up
- Works on any device
About Loan calculator
Work out the monthly payment, total interest and total cost of a loan from the amount, interest rate and term. Compare different terms to see how a longer loan lowers the monthly payment but raises the total interest.
How to use Loan calculator
- Enter your numbers above.
- The result updates instantly as you type.
- Change any value to compare different cases.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Available in 10 languages.
Also known as
Frequently asked questions
How is the monthly payment calculated?
It uses the standard amortization formula: each payment covers the interest for the month and the rest reduces the balance, so the interest part shrinks over time.
Does paying extra help?
Yes. Extra payments go straight to the balance, which shortens the loan and cuts the total interest. Try the amortization schedule calculator to see by how much.
Is Loan calculator free?
Yes. Loan calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.