Loan Amortization Calculator

Compare reducing-balance and flat-rate loans with fees, grace periods, optional prepayments, estimated APR, and a clear repayment schedule.

Loan Parameters

Keep the headline offer separate from optional fees and prepayment assumptions.

Total loan need

Asset price or total requirement before down payment.

Down payment

Calculation caps it at the total loan need.

Annual interest rate

0%9.25%100%

Headline annual rate shown by the lender.

Tenure years

Extra months

0 years20 years50 years

Currency

Formatting only; amounts are not converted.

Processing fee %

Insurance / documentation fee

Monthly extra payment

Applied to principal after the grace period.

One-time prepayment

Prepayment month number

Month count from repayment start. A prepayment inside the grace period is not applied.

Grace period in months

Modeled as interest-only months.

Repayment start date

Include fees in estimated APR

Uses processing and insurance/documentation fees as upfront borrowing costs.