Kalkulator Pinjaman

Kira bayaran bulanan, jumlah faedah, dan jana jadual pelunasan lengkap untuk sebarang pinjaman.

Butiran Anda

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Enter your loan amount, interest rate, and term (and optional extra payment), then click Calculate to see your monthly payment, total interest, payoff date, payment breakdown and balance charts, and the full amortization schedule.

Panduan Pengguna Lengkap

What is the Loan Calculator?

The Loan Calculator estimates your fixed monthly payment, total interest, and payoff date for any amortizing loan (e.g. mortgage, auto, personal). Enter the loan amount, annual interest rate, and term in years or months. You can optionally add an extra monthly payment to see how much interest you save and how many months earlier you pay off the loan.

Results include a payment breakdown chart (principal vs. interest), a balance-over-time chart, and a full amortization schedule you can view by month or by year. Use it to compare different rates, terms, or extra-payment scenarios before you borrow.

Key Metrics

Bayaran Bulanan

The fixed amount due each period. It stays the same over the life of the loan; only the split between principal and interest changes each month.

Jumlah Faedah

The total cost of borrowing over the life of the loan. Early payments are mostly interest; reducing the rate, term, or adding extra principal lowers this amount.

Jumlah Bayaran

Principal plus total interest. This is the full amount you pay back to the lender if you make every payment as scheduled (or with the extra amount you entered).

Tarikh Pembayaran

The date the loan is fully paid. With extra payments, this date moves earlier and you pay less total interest.

Cara Menggunakan Kalkulator Ini

  1. Enter the loan amount (principal) you plan to borrow.
  2. Enter the annual interest rate and choose the term in years or months.
  3. Optionally enter an extra monthly payment to see interest savings and earlier payoff.
  4. Click Calculate to see monthly payment, total interest, payoff date, payment breakdown and balance charts, and the amortization schedule.
  5. Switch between Monthly and Yearly views in the schedule to see per-period or per-year totals.

Memahami Keputusan Anda

Monthly Payment and Total Payment

The monthly payment is calculated so that every period you pay the same amount until the loan is paid off. Total payment is the sum of all those payments (principal + total interest).

Total Interest and Payoff Date

Total interest is the cost of borrowing. A lower rate or shorter term reduces it; a longer term or higher rate increases it. The payoff date is when the balance reaches zero; with extra payments it comes sooner.

Simpanan Bayaran Tambahan

When you enter an extra monthly payment, the calculator applies it to principal only. It then shows how much interest you save and how many months (or years) earlier you pay off the loan compared with the standard schedule.

Jadual Pelunasan

The schedule lists each payment (or each year) with the amount going to principal, to interest, and the remaining balance. Early in the loan most of each payment is interest; over time more goes to principal. Use Monthly or Yearly view depending on the detail you need.

Memahami Carta

Payment breakdown: The doughnut chart shows the share of total payments that go to principal versus interest. This helps you see at a glance how much of your total cost is borrowing cost (interest) versus paying down the loan (principal).

Balance over time: The line chart shows how your remaining balance decreases over the life of the loan. If you entered an extra monthly payment, you will see two lines: one for the standard schedule and one for the schedule with extra payments, so you can compare how much faster the balance drops with extra principal.

Formula

Monthly Payment (M)

M = P × [r(1+r)^n] / [(1+r)^n − 1]

P = principal, r = monthly rate (annual ÷ 12), n = number of payments

Interest and Principal per Period

Interest = previous balance × r

Principal = payment − interest

Nota Penting

  • Results are estimates only. Actual terms, fees, and conditions depend on your lender and loan agreement.
  • In this calculator, extra payments are applied to principal only. Some lenders may apply them differently; confirm with your lender.
  • For exact figures, use your loan documents or your lender's official calculator.

Tips

• Shop for the best rate; even 0.25% can save hundreds over the life of the loan.
• Biweekly payments (half the monthly amount every two weeks) add about one extra payment per year.
• Round up payments or put windfalls (bonuses, tax refunds) toward principal to save interest.
• Shorter terms mean less total interest but higher monthly payments; choose based on your budget and goals.

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