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Personal Loan Calculator

Enter the loan offer

$
%

The loan’s interest rate, not the APR. The APR is worked out for you.

years
months

Use 0 if there is no fee.

More options
First payment

Used for the payoff date and the schedule. Set to next month when the page loads.

Your results

Monthly payment

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APR with the fee

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Total cost of borrowing

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Cash you receive–
Amount you repay (principal)–
Total interest–
Origination fee–
Total paid, including any upfront fee–
Last payment–

Amortization schedule

How each payment splits between interest and principal, by calendar year or month.

YearPrincipalInterestEnding balance

Results are estimates for educational purposes and are not financial, tax or legal advice.

Estimate your monthly payment on a personal loan and see what it really costs once an origination fee is counted, including the APR and the cash you actually receive. The free payment calculator uses the same plain-English approach, so you can compare results side by side.