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Free Loan Calculator
Know the real cost of a loan before signing. Enter the amount, the annual rate and the duration — the monthly payment, total interest and amortization appear instantly. Free and private.
Everything a loan calculation needs
Eight features to understand the true cost of a loan.
Monthly payment
The fixed monthly payment, computed instantly from the amount, rate and duration.
Total interest
The real cost of your loan, clearly separated from the amount borrowed.
Total cost
Everything you will repay: capital plus interest.
Amortization table
A year-by-year breakdown of principal, interest and remaining balance.
Flexible duration
In months or years, from short-term to long-term loans.
Copy the result
Copy the monthly payment for a budget or a comparison.
Private by design
Everything runs in your browser. Nothing is uploaded, no account.
Free forever
No account, no trial — use it as often as you need.
Go deeper
A clear monthly picture
The numbers that matter for your budget.
- Monthly payment
- Total interest
- Total cost
- Capital breakdown
A detailed amortization
See how your debt decreases.
- Year-by-year table
- Principal and interest
- Remaining balance
- Instant recompute
Flexible and simple
Any amount, any rate, any duration.
- Months or years
- Any annual rate
- Any amount
- Instant updates
Private & free forever
No account, no upload.
- 100% in-browser
- Auto-save in localStorage
- Free, unlimited
- Works offline
Calculate a loan in 2 steps
From amount to monthly payment in seconds.
Type the amount borrowed, the annual interest rate and the duration.
The monthly payment, total interest and total cost appear instantly, with the amortization table.
Know the true cost before you sign
Calculate your loan now — free, private and instant.
Open the loan calculatorInvoice Generator FAQs
Yes, completely free and unlimited. No account, no registration.
With the standard fixed-rate formula: capital × monthly rate × (1 + rate)^n / ((1 + rate)^n − 1).
No — only the capital and interest. Add insurance and fees separately for a full estimate.
Yes — choose months or years, the tool converts it automatically.
No. Everything runs in your browser and only your last inputs are saved locally.
Yes — change the rate or duration at any time and all results recompute instantly.
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