Run the numbers before anyone runs them for you.
Monthly payment, total interest and a full amortization schedule for any amount from $200 to $5,000 — plus a short-term fee calculator. Nothing is submitted; it's just math.
Calculator
Flat fee for the period. Each rollover charges the fee again without reducing the balance.
Amortization schedule
12 payments of $194.96
| # | Payment | Principal | Interest | Balance |
|---|
Each bar shows how a payment splits between principal (dark) and interest (green). Early payments are interest-heavy; paying extra early saves the most.
Same amount, three terms
Updates with your inputs above.
Calculator FAQ
How accurate is this calculator?
It uses the standard amortization formula lenders use for fixed-APR installment and personal loans. Your real agreement may add an origination fee or round the payment, which changes the numbers slightly.
What APR should I enter?
If you don't know yet, 29.99% is a common offer for fair credit, 17.99% for good credit, and 9.95% for very good. Request offers to get your actual rate — it's a soft check.
Does it work for short-term loans?
Use the short-term tab. Those loans charge a flat fee per $100 for the period rather than monthly interest, so the math is different.
Why does a longer term cost more?
Interest accrues on the balance each month; more months means more interest even though each payment is smaller. The schedule shows exactly where each payment goes.
Can I save or print the schedule?
Yes — use the 'Download CSV' button, or print the page.
Like the numbers? Get the real ones.
Request offers with a soft credit check and compare your actual APR to what you modeled.