Calculator

Personal Loan Calculator

Calculate a fixed personal-loan payment, total repayment and total interest from the amount, APR and term.

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The formula assumes equal monthly payments, a fixed APR and no origination fee deducted from proceeds. A quoted APR may already include certain lender fees.

Personal-loan amortization formulaPayment = P × r(1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)

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A $15,000 loan at 10% APR for 4 years has an estimated payment of about $380 per month and roughly $3,261 of total interest.

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  • Rates and recurring amounts stay constant for the period represented by the formula.
  • Inputs use the same monthly or annual time basis stated in each field label.
  • Taxes, fees and contractual rules are excluded unless the calculator explicitly asks for them.