Loan Calculator
Monthly payment, total interest and a full amortisation schedule for any loan. It runs entirely in your browser — no signup, no installation, and nothing you paste or drop leaves your device.
| Year | Balance at year end | Interest | Principal | Extra payment |
|---|
All figures in the currency you entered. The annual rows show the balance after the twelfth monthly payment; extra payments are charged at the end of each year.
How the Loan Calculator Works
This loan calculator works out an annuity loan (equal monthly instalments) from the numbers you enter: the loan amount, the nominal annual interest rate and either the term in years or the monthly payment you want to afford. It returns the monthly instalment using the standard annuity formula, the total interest, the total repayment and a year-by-year repayment plan that shows the outstanding balance, the interest paid and the principal repaid in each year. You can also add a yearly extra payment: the calculator then applies it to the balance at the end of each year and reports how much the term shrinks and how much interest you save. In payment mode the calculator solves for the term instead, and it warns you when a payment is too small to cover the interest. Everything runs in your browser, the currency is whatever you type, and no data is uploaded.
Kreditrechner: Rate, Zinsen und Tilgungsplan
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What is Loan Calculator?
Loan Calculator is a free online calculator built for anyone planning a loan, investment, salary or purchase. Monthly payment, total interest and a full amortisation schedule for any loan In practice you enter the loan amount, rate and term, run the calculation, and then read the monthly payment, total interest and amortisation schedule.
The figures you enter are calculated locally; no number is transmitted or stored, so the tool is safe for real salaries, loans and client figures.
How to use Loan Calculator
- Enter the loan amount, rate and term.
- Run the calculation.
- Read the monthly payment, total interest and amortisation schedule.
Loan Calculator FAQ
Is Loan Calculator free to use?
Yes. Loan Calculator is completely free and needs no account, no trial and no payment details. Every feature on the page is available without limits.
Is my data uploaded anywhere?
No. Loan Calculator runs entirely in your browser, so the text, file or number you enter never leaves your device.
Does Loan Calculator work on a phone or tablet?
Yes. It works in any modern browser on desktop, tablet and phone. There is no app to install and no account to create.
How do I use Loan Calculator?
Enter the loan amount, rate and term. Run the calculation. Read the monthly payment, total interest and amortisation schedule.