Add the requested inputs
Use the labelled fields in the workspace above. If example values are provided, try them first or replace them with your own.
Money & business · Free online tool
Loan repayment calculator
Estimate monthly repayments, total interest and an amortisation schedule. Model a fixed-rate repayment loan and see how the term changes the total cost.
3 guest runs per rolling 24 hours10 with a free accountPrivate inputsMobile-friendly
Loan repayment calculator workspace
Runs locally in your browser
Result
Payment with extra—
Minimum payment—
Total interest—
Total repaid—
Payoff time—
Interest saved—
Time saved—
Amortisation schedule
Use it with confidence
How to use the loan repayment calculator.
Calculate and review
Use the main action when needed. For a non-zero rate, payment = P × r(1+r)^n ÷ ((1+r)^n − 1). A zero-rate loan is principal ÷ payments.
Try a worked example
Try the same loan over three and five years to compare the payment with total interest.
Check the assumptions
Lender fees, changing rates, daily interest and rounding may make real statements differ. This is not a credit offer.
Helpful answers
Loan repayment calculator FAQs.
Is the loan repayment calculator free?
Yes. Guests receive 3 runs per rolling 24 hours, verified free accounts receive 10, and Premium subscribers receive unlimited normal use.
Does UtilHub upload or save my inputs?
No. This tool runs in your browser and UtilHub does not receive or store the values you enter. Your browser or device may still retain normal local history or form data.
How does this loan repayment calculator work?
For a non-zero rate, payment = P × r(1+r)^n ÷ ((1+r)^n − 1). A zero-rate loan is principal ÷ payments.
What should I check before using the result?
Lender fees, changing rates, daily interest and rounding may make real statements differ. This is not a credit offer.