Калькулятор оплаты

Calculate your monthly loan payment and see a detailed breakdown of principal vs interest.

Ваши данные

$

Enter your loan amount, interest rate, and term to see your monthly payment and breakdown.

Полное руководство пользователя

What is the Loan Payment Calculator?

This payment calculator computes your fixed monthly loan payment using the standard amortization formula. You enter the loan amount (principal), annual interest rate, and term in years or months. It shows your monthly payment, total interest over the life of the loan, and a breakdown of principal vs interest. You can also compare different term lengths and see the first 12 months of the payment schedule.

The result is the same every month; only the split between principal and interest changes. Early in the loan, most of each payment goes to interest. As the balance drops, more of each payment goes to principal.

Payment Formula

The standard formula for a fixed monthly payment (amortizing loan):

M = P × [r(1+r)^n] ÷ [(1+r)^n − 1]

M = monthly payment, P = principal (loan amount), r = monthly interest rate (annual rate ÷ 12), n = total number of payments

Пример:

For a $25,000 loan at 7.5% annual rate over 5 years (60 payments): r = 0.075/12 ≈ 0.00625, n = 60. The formula gives your fixed monthly payment.

Ключевые понятия

Главный

The amount you borrow. Each payment pays down principal and interest; early on, most of the payment is interest.

Term length

Shorter terms mean higher monthly payments but less total interest; longer terms mean lower payments but more interest paid over time.

Амортизация

The process of paying off the loan over time with equal monthly payments. The schedule shows how each payment is split between principal and interest each month.

Как использовать этот калькулятор

  1. Enter the loan amount (total you plan to borrow).
  2. Enter the annual interest rate and choose years or months for the term.
  3. Click Calculate Payment to see monthly payment, total interest, breakdown chart, term comparison, and first 12 months schedule.
  4. Review the charts and term comparison table to see how different terms affect your payment and total cost.
  5. Use the Complete User Guide below for formulas and interpretation.

Понимание ваших результатов

Monthly payment

The fixed amount you pay each period. It stays the same; the split between principal and interest changes over time—early payments are mostly interest.

Total interest

The sum of all interest over the life of the loan. Shorter terms reduce this; longer terms increase it.

Интерес %

The percentage of your total payments that goes to interest (vs principal). A lower percentage means you pay less in interest relative to the amount borrowed.

Term comparison and schedule

Compare how different term lengths (12, 24, 36, 48, 60, 72 months) affect monthly payment and total interest. The schedule shows the first 12 months: payment, principal, interest, and remaining balance.

Понимание графиков

Payment Breakdown chart

A doughnut chart showing total principal vs total interest over the full term. This gives you a quick visual of how much you pay in interest compared to the amount borrowed.

Principal vs Interest (First 12 Months)

A stacked bar chart showing how each monthly payment is split between principal and interest. Early payments are mostly interest; over time, more goes to principal.

Typical Payment Split Over Time

In an amortizing loan, the share of each payment that goes to interest vs principal changes over time:

Период Interest share Principal share
Early monthsHigherLower
MiddleСбалансированныйСбалансированный
Final monthsLowerHigher

Важные примечания

  • This is for estimation only. Actual payments may vary with fees, insurance, or lender rounding.
  • Biweekly and weekly figures are approximate (half or quarter of monthly, with more payments per year).
  • Compare offers from multiple lenders. APR and fees can vary significantly.

📤 Share This Tool