Personal Loan Calculator
A personal loan quote tells you the rate but rarely the real number you care about: what leaves your account every month, and what it costs in interest by the end. Enter the amount, rate and term below — the calculator returns your fixed monthly payment, total interest and total cost, and if you add an origination fee it shows the effective APR you actually pay.
Tool Features
- Fixed monthly payment on a standard amortizing loan
- Total interest and total cost over the full term
- Effective APR after an origination fee
- Year-by-year amortization: interest, principal and balance
- No registration or software installation
Common Usage
- Compare two loan offers at different rates and fees
- See what a 3-year vs 5-year term really costs
- Find the break-even point where extra rate beats a fee
- Check a consolidation loan against your current payments