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💰 Loan Calculator

Calculate monthly payments, total interest, and loan costs instantly. Perfect for mortgages, auto loans, personal loans, and business loans.

⚠️ Financial Disclaimer: This calculator provides estimates for educational purposes only. Actual loan terms, rates, and payments will vary based on creditworthiness and lender requirements. Always consult with qualified financial advisors and licensed lenders before making borrowing decisions.

Loan Details

Loan Type

Loan Amount (Principal)

Annual Interest Rate

Loan Term

years

Extra Monthly Payment (Optional)

Additional payment toward principal

Loan Results

💰

Enter loan details to see calculations

Choose loan type for suggested rates and terms

Understanding Loan Calculations

How Loan Interest Works

Loan interest is calculated based on the principal amount, interest rate, and loan term. Early payments go mostly toward interest, while later payments pay down more principal.

Factors Affecting Your Rate

• Credit score and credit history
• Loan-to-value ratio (LTV)
• Down payment amount
• Current market interest rates
• Loan term length

Tips to Save on Loan Interest

• Make extra principal payments
• Choose a shorter loan term
• Improve your credit score before applying
• Shop around for the best rates
• Consider refinancing if rates drop

Popular Loan Types

• Mortgage loans: 15-30 year terms
• Auto loans: 3-7 year terms
• Personal loans: 2-5 year terms
• Business loans: Variable terms