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Loan Payment Calculator

Calculators · Done in 3 steps

Stays on your deviceFree · No sign-up
  1. 1Enter the loan
  2. 2
  3. 3
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About

Calculate monthly loan or mortgage payments, total interest and a full amortization schedule — see how extra payments shorten the loan. Export to CSV.

How to use it

  1. 1Enter the loan amount, interest rate (APR) and term in years.
  2. 2Pick the payment frequency.
  3. 3Optionally add an extra payment each period to see time and interest saved.
  4. 4Browse the schedule by year or by payment and download it as CSV.
You give
Loan amount, APR, term, frequency and optional extra payment
You get
Payment, total interest, payoff time, chart and amortization table
Good to know
Fixed-rate, fully amortising loans only. Taxes, insurance, fees and rounding by your lender are not included. Terms up to 50 years. Every input is saved in the page URL, so you can bookmark or share a result.
Privacy
Processed on your device. Nothing is uploaded, stored or logged.
Last tested
2026-10-28

FAQ

Why is most of my early payment interest?

Interest is charged on the outstanding balance, which is largest at the start. As the balance falls, more of each fixed payment goes to principal.

Do extra payments really save that much?

Yes, because every extra dollar stops accruing interest for the rest of the term. On a 30-year mortgage, a modest monthly overpayment can cut years off the loan.

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