Loan calculator
Payment and amortization for personal, auto, or other loans.
Runs in this tab. The file stays here.
1,199.10 / month · interest 231,677.04
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 1,199.10 | 199.10 | 1,000.00 | 199,800.90 |
| 2 | 1,199.10 | 200.10 | 999.00 | 199,600.80 |
| 3 | 1,199.10 | 201.10 | 998.00 | 199,399.70 |
| 4 | 1,199.10 | 202.10 | 997.00 | 199,197.60 |
| 5 | 1,199.10 | 203.11 | 995.99 | 198,994.49 |
| 6 | 1,199.10 | 204.13 | 994.97 | 198,790.36 |
| 7 | 1,199.10 | 205.15 | 993.95 | 198,585.21 |
| 8 | 1,199.10 | 206.17 | 992.93 | 198,379.04 |
| 9 | 1,199.10 | 207.20 | 991.90 | 198,171.84 |
| 10 | 1,199.10 | 208.24 | 990.86 | 197,963.60 |
| 11 | 1,199.10 | 209.28 | 989.82 | 197,754.32 |
| 12 | 1,199.10 | 210.33 | 988.77 | 197,543.99 |
Showing first 12 of 360 months.
This runs in your browser. Nothing is uploaded.
About Loan calculator
Calculate monthly payment and amortization for personal, auto, or other fixed-rate amortizing loans, offline.
Car notes and personal loans use the same amortizing payment math as mortgages: fixed payment, declining balance, interest charged on what remains. Framing matters for search, so this page talks about loan amount, APR, and term the way a consumer loan quote does.
Enter principal, annual rate, and years. You get a monthly payment and a schedule showing how each installment splits into interest and principal. Early months are interest-heavy; that is normal for amortizing debt, not a bug in the page.
For a house purchase, prefer the mortgage calculator — same engine, home-loan copy. For 'how much will this grow if I invest instead', that is compound interest or ROI, not a loan payment.
How to use Loan calculator
- 1Enter loan amount, annual rate, and term in years.
- 2Read the monthly payment and total interest.
- 3Open the schedule if you want payment-by-payment detail.
What it won't do
- Fixed amortizing loans only.
- No credit score, approval, or lender rate shopping.
Common questions
Is the loan calculator different from the mortgage calculator?
Same underlying amortize math. Different page copy and related links so auto and personal loan searches are not forced through a home-loan article.
Can I model a balloon payment or interest-only period?
Not on this page. It assumes a fully amortizing fixed payment for the whole term.
Should I enter APR or interest rate?
Enter the annual rate your quote uses for the payment formula. If your lender’s APR includes fees, and you only want the interest-rate payment, use the interest rate from the note — not a fee-inflated APR — unless you intentionally want fees in the principal.
Related tools
Why this one doesn't upload your file
There is no server to upload to. This page is a static file, and the work happens in your browser using the same graphics and WebAssembly code that renders every other site you visit. Your file is read from disk into memory, processed, and handed back as a download. Once the page has loaded you can disconnect from the network entirely and it keeps working. The longer explanation