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Loan Calculator

Calculate payments for any loan with flexible repayment frequency

100% private. Your files and inputs never leave your device — everything runs locally in your browser.

Features

  • Monthly or quarterly
  • Total interest
  • Payment schedule
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How to Use Loan Calculator

Calculate payments for any loan with flexible repayment frequency. No signup, no uploads, no watermarks.

  1. 1

    Enter your numbers in the input fields.

  2. 2

    Choose the calculation options or frequency.

  3. 3

    The result updates instantly as you type.

  4. 4

    Review the breakdown, chart, or schedule, and copy the answer.

Why choose Loan Calculator?

  • No uploads — your files never leave your device.
  • Free forever with no signup, no watermarks, and no limits.
  • Works on any device with a modern browser — no installs.
  • Fast, private, and built for getting the job done in seconds.
Try Loan for free

Frequently Asked Questions

What is the difference between monthly and quarterly payments?▾

With monthly payments you make 12 payments a year at one-twelfth of the annual rate per period, while quarterly payments are made 4 times a year. Both repay the same loan, but total interest differs slightly because of how often interest compounds against your balance.

Why does the first payment pay so little principal?▾

In an amortizing loan, each payment first covers the interest accrued since the last payment and the remainder reduces the principal. Early on, the balance is largest, so most of the payment goes toward interest; this reverses over time.

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