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Loan Calculator
What this does
Enter the amount, annual interest rate and term and get the monthly payment, total interest and a month-by-month schedule showing how much of each payment goes to interest versus principal.
When to use it
- Comparing a 5-year and a 7-year car loan — the longer one has a smaller payment but more total interest.
- Seeing how an extra payment shortens a mortgage.
Good to know
The formula assumes equal monthly payments (amortising loan). Fees and insurance are not included; add them separately when comparing offers.
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