Loan Calculator — Full Amortization & True Cost of Credit
Calculate the real cost of any loan: mortgage, consumer credit, or auto loan. Choose between annuity and differential payment types, simulate early repayments, and see the full amortization schedule. No registration required.
Everything You Need to Analyze a Loan
From a simple monthly payment to XIRR-based effective rate — all in one tool.
Annuity & Differential
Switch between fixed equal payments (annuity) and decreasing payments (differential). The schedule updates instantly.
Early Repayment Simulator
Add extra payments for any month. Choose to reduce the term or the monthly payment amount. See exactly how much you save.
True Cost of Credit (APR)
Include one-time bank fees, annual insurance, and monthly service charges to see the real effective interest rate — not just the nominal one.
Full Amortization Table
A detailed month-by-month breakdown: principal, interest, early repayments, fees, and remaining balance. Guaranteed to zero out on the final row.
How to Use the Loan Calculator
Enter Loan Details
Set your loan amount, annual interest rate, and term in months or years.
Choose Payment Type
Select Annuity (fixed monthly payment) or Differential (decreasing payments).
Simulate & Compare
Add early repayments, include bank fees, and save multiple scenarios for side-by-side comparison.
When Do You Need This Calculator?
Make an informed financial decision before signing any loan agreement.
Mortgage Planning
Calculate the true monthly burden of a 15 or 30-year mortgage including insurance and fees.
Early Repayment Strategy
Find out if it is better to shorten your loan term or reduce your monthly payment when you have extra cash.
Refinancing Comparison
Save two loan offers as scenarios and compare their total cost, effective rate, and timeline side by side.
Business Credit Analysis
Evaluate investment financing: see the real APR for B2B credit lines and leasing agreements.