Calculators
Free Loan Calculator
Estimate a monthly payment and total interest for a simple fixed-rate loan.
Private by default — your numbers stay on your device.
Enter loan details
Monthly repayments are estimated from the fixed rate you enter. This is not a lender quote.
Payment estimate
Enter an amount and rate to see the estimate.
- Monthly payment
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- Total interest
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- Total repaid
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- Monthly payments
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Figures are rounded for display and exclude fees, taxes, insurance and rate changes.
How the estimate works
This calculator assumes the same payment each month, a fixed annual interest rate divided by 12, and full repayment at the end of the chosen term. At 0% interest, the amount is simply divided by the number of months. Display currency changes the symbol only; it does not convert money.
Check the full loan cost
Real offers may include fees, insurance, taxes, changing rates, early-payment rules and different interest calculations. Compare a lender’s full written terms before making a borrowing decision. This estimate is for exploration, not personal financial advice.
Frequently asked questions
Does this include loan fees?
No. It estimates principal and interest only. A real monthly bill or total cost may be higher.
Can I enter a zero interest rate?
Yes. At 0%, the amount is divided evenly across the monthly payments.
Are my figures saved?
No. Calculation happens in your browser; figures are not submitted or stored by this tool.