Loan calculator
Work out the monthly payment on a loan, plus the total interest and the total amount repaid, and see the full month-by-month schedule. Enter the amount, the annual rate, and the term in years or months.
To work out a loan payment, enter the amount borrowed, the annual rate, and the term in years or months. The monthly payment appears immediately with the total interest, the total repaid, and the full schedule. It is free, needs no sign-up, and your numbers never leave your browser.
How to use it
Enter the loan amount, the annual interest rate as a percentage, and the term, then choose years or months for the term. The monthly payment, the total interest, and the total repaid appear immediately, followed by the full schedule: for every month, how much of the payment is interest, how much reduces the loan, and what remains. Copy the figures when you are ready.
When it helps
A loan quote usually states the monthly payment but not how much of it is interest, or what the loan costs in total over its life. The schedule shows both, month by month, and the tool handles the zero-rate case that breaks simpler calculators.
Common questions
What happens at a 0% rate?
The standard payment formula divides by the rate, so a separate path handles zero: the payment is the amount divided by the number of months. Any rounding difference lands in the last payment.
Why does the last payment sometimes differ?
Every payment rounds to the nearest halala, and the final month settles whatever remains, so the balance ends at exactly zero instead of a few halalas short or over.
Can I type Arabic digits?
Yes. The boxes accept Western digits 0-9, Arabic-Indic digits ٠-٩, the Arabic decimal separator, and thousands separators.
Does this recommend a loan product?
No. The tool only works out the arithmetic of the figures you enter. It does not compare products or advise on any financing structure.
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