Enter amount, rate, term. See monthly payment, total interest, total paid. Full schedule available.
Know costs before borrowing. Understand true expense of loans—personal, car, student.
Standard amortization formula with compound interest.
Yes, monthly breakdown of principal and interest.
Yes, fixed-rate personal, auto, student, mortgage.
Shows standard; extra payments reduce interest.
Calculate monthly loan payments and total interest for any loan with the Toolzie Loan Payment Calculator. Supports personal loans, car loans, student loans, and more — with a full amortization breakdown.
The monthly payment includes both principal repayment and interest. Early payments are mostly interest; later payments are mostly principal.
Rates vary widely — 5–10% is good for secured loans; 10–20%+ is typical for unsecured personal loans depending on credit score.
A longer term lowers monthly payments but increases total interest paid. A shorter term costs less overall but requires higher payments.
Yes — enter the loan amount, rate, and term. The calculator works for any standard amortizing loan type.
Estimates only. Not tax, financial, or legal advice. Full disclaimer · Terms