Loan annuity calculator & amortization schedule

Calculate monthly loan payments in real time. Simulate mortgage, car, or personal loans with annuity vs. differential payment comparisons.

loan parameters

Payment type
Loan Term
Payment Frequency
%

Additional costs

One-time bank fee

Early Repayments

No early repayments added.

Cost Breakdown

Principal58%
Interest42%

Payments

calculation results

Payment per period43,041.28
Total Paid5,164,954.65
Interest Paid2,164,954.65
Interest and fees2,164,954.65
Estimated annual rate12.67%
Actual Term120 periods

Amortization Schedule120 periods

Page 1/5
PeriodDatePaymentPrincipalInterestBalance
111/01/202643,041.2813,041.2830,000.002,986,958.72
212/01/202643,041.2813,171.6929,869.592,973,787.03
2027
301/01/202743,041.2813,303.4129,737.872,960,483.62
402/01/202743,041.2813,436.4429,604.842,947,047.18
503/01/202743,041.2813,570.8129,470.472,933,476.37
604/01/202743,041.2813,706.5229,334.762,919,769.85
705/01/202743,041.2813,843.5829,197.702,905,926.27
806/01/202743,041.2813,982.0229,059.262,891,944.25
907/01/202743,041.2814,121.8428,919.442,877,822.41
1008/01/202743,041.2814,263.0628,778.222,863,559.35
1109/01/202743,041.2814,405.6928,635.592,849,153.66
1210/01/202743,041.2814,549.7428,491.542,834,603.92
1311/01/202743,041.2814,695.2428,346.042,819,908.68
1412/01/202743,041.2814,842.1928,199.092,805,066.49
2028
1501/01/202843,041.2814,990.6228,050.662,790,075.87
1602/01/202843,041.2815,140.5227,900.762,774,935.35
1703/01/202843,041.2815,291.9327,749.352,759,643.42
1804/01/202843,041.2815,444.8527,596.432,744,198.57
1905/01/202843,041.2815,599.2927,441.992,728,599.28
2006/01/202843,041.2815,755.2927,285.992,712,843.99
2107/01/202843,041.2815,912.8427,128.442,696,931.15
2208/01/202843,041.2816,071.9726,969.312,680,859.18
2309/01/202843,041.2816,232.6926,808.592,664,626.49
2410/01/202843,041.2816,395.0226,646.262,648,231.47
rows 1–24 / 120

Comparison

Save 2+ scenarios to compare them side by side.

All-in-One Loan Calculator Features

Complete financial analysis with custom amortization schedules and early payoff simulation.

Annuity & Differential Payments

Switch between fixed equal monthly payments (annuity) and decreasing principal payments (differential).

Early Repayment Simulator

Calculate interest savings from extra lump-sum or recurring payments by shortening term vs. reducing monthly payments.

True Cost of Credit (APR)

Include bank fees, annual insurance, and monthly service charges to determine the true effective interest rate.

Full Amortization Table

Detailed month-by-month breakdown showing principal, interest, early repayments, and remaining balance.

How to Calculate Loan Repayments in 3 Steps

  1. Input Loan Terms

    Specify loan amount, annual interest rate, and repayment duration in months or years.

  2. Select Payment Type

    Choose Annuity (fixed equal payment) or Differential (declining monthly payment).

  3. Simulate Extra Payoffs

    Add extra monthly payments to evaluate interest savings and total payoff timeline.

Why Use Online Loan Calculator?

Make informed borrowing decisions before signing bank agreements.

Mortgage Planning

Calculate monthly principal and interest obligations for 15-year or 30-year home mortgages.

Early Payoff Strategy

Compare whether reducing loan tenure or reducing monthly installments saves more money.

Refinancing Comparison

Compare two competing bank loan offers side-by-side to find the lowest effective interest rate.

Auto & Personal Loans

Analyze total borrowing costs and monthly budget impact before financing a vehicle or personal purchase.

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Frequently Asked Questions

What is the difference between Annuity and Differential loan payments?

Annuity payments remain equal every month throughout the loan term. Differential payments start higher and decrease over time, resulting in lower total interest paid.

When making early repayments, is it better to reduce loan term or monthly payment?

Reducing the loan term almost always yields higher interest savings. Reducing monthly payments lowers fixed monthly financial obligations.

Why is the APR higher than the nominal interest rate?

Annual Percentage Rate (APR) incorporates upfront bank processing fees, administration charges, and mandatory insurance costs in addition to the interest rate.

Is this loan calculator free to use?

Yes, our loan calculator is 100% free with unlimited calculations.