Calculate monthly loan payments, total interest, and see a complete amortization breakdown for any loan.
| Month | Payment | Balance |
|---|---|---|
| 1 | $316 | $10k |
| 36 | $316 | $0 |
Computes payment schedules for installment loans from principal, rate, and term.
Payment = P r / (1 − (1 + r)^(-n)) for periodic rate r and n periods
$15,000 at 8% APR for 36 months → payment ≈ $470.
APR vs rate?
APR includes fees; periodic rate is APR/periods.
Extra payments?
Reduce interest and term; consider prepayment penalties.
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