Estimate monthly payments and total borrowing cost for a personal loan.
Enter your assumptions
Edit any field and calculate again to compare scenarios.
Estimated monthly payment
—
Interest + fee cost—
Total paid—
Fees—
Term—
Download this estimate as Excel (summary + details). Excel files and cash-flow insights are generated locally in your browser.
Results depend on your inputs and assumptions. They are not investment, lending, legal, tax, or other professional advice.
Do not compare loans by headline rate alone
Actual borrowing cost can include setup and account fees. For formal comparisons, use the lender's disclosed total annual percentage cost and contract terms.
How should you use the result?
Try at least three scenarios: conservative, base, and optimistic. Interest rates, returns, income, and expenses can all change over time.
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