Loan Calculator β€” Monthly Payments & Amortization | Calcify All
Loan Calculator

Monthly payments, total interest,
and full amortization schedule.

Calculate any loan instantly β€” mortgage, auto, personal. See exactly where your money goes, month by month.

No sign-up Always free Works offline

Loan Calculator

Enter your loan details to instantly see your monthly payment, total interest paid, and a full amortization breakdown.

$
$1K$1M
%
0.1%20%
yrs
1 yr30 yrs
MONTHLY PAYMENT
β€”
TOTAL INTEREST
β€”
TOTAL COST
β€”
Principal β€”
Total interest β€”
Interest ratio β€”
Use the sliders to quickly adjust loan amount, rate, and term.

Full month-by-month breakdown of principal, interest, and remaining balance.

$
%
yrs

Amortization β€” 360 payments

Period Payment Principal Interest Balance

Assumes fixed-rate loan with equal monthly payments. Extra payments not included.

Compare how different loan terms affect your monthly payment and total cost.

$
%

Green card = lowest total interest paid.

Find out the maximum loan you can afford based on your monthly budget.

$
%
yrs

How loan calculations work

Every fixed-rate loan uses the same standard amortization formula. Your monthly payment stays the same, but early payments go mostly toward interest β€” later ones toward principal.

Formula
M = P[r(1+r)ⁿ] / [(1+r)βΏβˆ’1]
Key insight
Even a 0.5% rate drop can save tens of thousands over a 30-year mortgage.
Rule of thumb
Keep total housing costs under 28% of gross monthly income.