Math & Numbers
Loan & Mortgage Calculator
Calculate your monthly payment, total interest, and full amortization schedule for any loan or mortgage.
Calculez les mensualités, intérêts et tableau d'amortissement
Fonctionnalités
Monthly Payment
Instant calculation of your fixed monthly payment using the standard amortization formula.
Total Interest
Shows the total interest paid over the entire loan term.
Amortization Schedule
Full month-by-month breakdown of principal and interest payments.
Loan Summary
Visual summary showing total cost vs. principal borrowed.
Comment utiliser
- Enter the loan amount (principal).
- Enter the annual interest rate.
- Select the loan term in years or months.
- View the monthly payment, total interest, and amortization table.
FAQ
What formula is used?▾
The standard amortization formula: M = P[r(1+r)^n]/[(1+r)^n–1] where P=principal, r=monthly rate, n=total payments.
Does this include taxes and insurance?▾
No — this calculates principal and interest only. For mortgages, add property tax and insurance to estimate total payment.
Loan Tips
- Extra payments significantly reduce total interest paid.
- A 1% rate difference on a $300K mortgage saves ~$60K over 30 years.
- Shop for loans within 14–45 days to minimize credit score impact.
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