Loan repayment calculator — mortgage, car, personal loan. Enter principal, interest rate, and term; see monthly payment, total interest paid, and an amortisation schedule.

The monthly payment formula assumes a fixed-rate loan with monthly compounding (the standard for US mortgages and most car loans). Adjustable-rate mortgages start with this monthly payment but recalculate periodically based on the index rate — the schedule shown here is for the introductory rate.

Total interest paid is often eye-opening — a 30-year $400k mortgage at 6.5% pays ~$510k in interest over the life of the loan. The amortisation schedule shows how each early payment is mostly interest, gradually shifting to principal.

Like every tool on Buncha, this one runs entirely in your browser. There's no upload, no log, no record of what you've pasted or generated. Close the tab and the data is gone.

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