Plan a loan with confidence: enter the amount, rate, and term to see your payment and full amortization schedule in seconds.

12Payments per year in the standard schedule
0.5–50Term range in years, adjustable in half-year steps
M = P·r·(1+r)ⁿ/((1+r)ⁿ−1 )Annuity formula behind every payment

Why Use It?

No data leaves your device

Private by design, with nothing stored and nothing uploaded.

Know the true cost

Total interest makes the real price of borrowing obvious at a glance.

Seconds, not spreadsheets

Skip the formulas and spreadsheets — payments appear as you type.

Every payment visible

The schedule breaks down principal and interest for all 36, 60, or 360 months.

Who This Is For

Personal loan budgeting

Check whether a consolidation or personal loan payment fits your monthly budget.

Rate comparison

Test offers from different lenders side by side with the same loan amount and term.

Extra payment planning

Run different term scenarios to understand how paying faster reduces total interest.