Kalkulator Pinjaman Pribadi

Hitung pembayaran bulanan Anda, bandingkan persyaratan pinjaman, dan lihat jadwal amortisasi lengkap Anda.

Detail Anda

Mode Kalkulator

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Beberapa pemberi pinjaman mengenakan biaya 1-6% dari jumlah pinjaman

Choose a mode: calculate payment, see how much you can borrow, or compare terms. Enter your details and click Calculate.

Panduan Pengguna Lengkap

What is the Personal Loan Calculator?

This calculator helps you estimate personal loan payments, see how much you can borrow for a target monthly payment, or compare different loan terms. Personal loans are unsecured and can be used for debt consolidation, home improvements, medical bills, or other expenses.

You can optionally include an origination fee (a percentage of the loan amount some lenders charge). Results include monthly payment, total interest, total cost, APR, payment breakdown and balance charts, and an amortization schedule.

Key Metrics

Pembayaran Bulanan

The fixed amount you pay each month. Shorter terms mean higher payments but less total interest.

Total Interest & Total Cost

Total interest is the cost of borrowing. Total cost adds any origination fee so you see the full cost of the loan.

April

Annual Percentage Rate includes interest and fees, giving you a true cost to compare across lenders.

Net Proceeds

Loan amount minus origination fee: the cash you actually receive. Payments are based on the full loan amount.

Cara Menggunakan Kalkulator Ini

  1. Choose a mode: Calculate Payment, How Much Can I Borrow, or Compare Loan Terms.
  2. Enter loan amount (or desired payment for affordability), interest rate (APR), and term.
  3. Optionally enter an origination fee percentage.
  4. Click Calculate. View monthly payment, total interest, charts, and amortization (payment mode) or comparison table and chart (compare mode).
  5. In payment results, switch between Monthly and Yearly schedule views.

Memahami Hasil Anda

Hitung Pembayaran

Shows your fixed monthly payment, total interest, total cost (interest + fee), and APR. The amortization schedule shows how each payment splits between principal and interest and the remaining balance.

Berapa Banyak yang Dapat Saya Pinjam?

Enter the monthly payment you can afford; the calculator shows the maximum loan amount you can get at the given rate and term.

Bandingkan Ketentuan Pinjaman

Shows monthly payment and total interest for 12–84 months so you can see how term length affects payment size and total cost.

Memahami Grafik

Payment breakdown: Doughnut chart of principal vs. interest so you see how much of your total payments go to the loan vs. borrowing cost.

Balance over time: Line chart of remaining balance by month. In Compare Terms mode, a bar chart shows total interest by term length.

Rumus

Monthly Payment (M)

M = P × [r(1+r)^n] / [(1+r)^n − 1]

P = loan amount, r = monthly rate (APR ÷ 12), n = number of months

Origination fee

Fee = Loan amount × (Origination fee % ÷ 100). Net proceeds = Loan amount − Fee.

Catatan Penting

  • Results are estimates. Actual rates and terms depend on your credit and the lender. APR may include fees; check your loan agreement.
  • Rates often vary by credit: excellent (750+) ~6–10% APR, good (700–749) ~10–15%, fair (650–699) ~15–20%, poor (<650) ~20–36%.
  • Compare APRs from multiple lenders and check for prepayment penalties before borrowing.

Tips

•Shorter terms mean higher payments but less total interest.
•Check your credit score and fix errors before applying.
•Compare offers from multiple lenders; APR includes fees.
•Common uses: debt consolidation, home improvements, medical bills, major purchases.

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