Loan Calculator

Estimate fixed monthly repayments for a personal loan or similar amortising debt. Enter the amount borrowed, interest rate, and term to see payment size and total interest paid. Everything runs locally in your browser — your inputs are not uploaded to produce the result.

Payments use the standard amortising loan formula from principal, annual rate, and number of months. APR is not always the same as the interest rate — it can include fees. Use the APR Calculator when comparing the true cost of different offers.

The maths is similar, but the Mortgage Calculator is tailored for home loans with deposit and property price inputs. Use Loan Calculator for quick planning; confirm important money, tax, or health decisions with an official source or professional when needed.

Personal loans, car finance, and similar fixed instalments use the same amortising idea as a repayment mortgage, without property price and deposit fields. If you have already paid down part of the term, remaining balance and remaining months matter more than the original amount.

APR includes certain fees; the interest rate on the form may not. When two offers look similar monthly, compare APR and total repayable. Early settlement charges can wipe out the benefit of overpaying — read the agreement, then model extra payments as a “what if”.