Monthly Payment
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Total Payment
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Total Interest
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Typical terms: personal 24–60 mo · auto 36–72 · mortgage 180/360
Monthly Payment
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Total Payment
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Total Interest
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Home · Car · Personal · Mortgage
Estimate only. Home · Car · Mortgage
Most American consumer debt—personal loans, auto financing, and fixed-rate mortgages—is repaid in equal monthly installments. Lenders quote an annual percentage rate (APR) and apply interest to the balance each month as you pay principal down.
This page defaults to USD and uses the same amortization math you would expect from many banks and credit unions. Enter the amount you actually finance, the annual rate you were quoted, and the term in months (for example, 60 for a five-year car loan or 360 for a 30-year mortgage).
Rates move with the economy, your credit score, and the product. Personal loans might land anywhere from single digits to the mid-30s APR for some borrowers. Auto loans are often lower than unsecured personal debt. Mortgage rates fluctuate with bond markets and your loan profile.
Use this tool to stress-test: what happens if your rate is one point higher, or if you shorten the term by a year? Pair it with our car loan calculator or mortgage calculator when you want labels tuned to those products.
Use the principal after down payment on a car or home if that is what you borrow. If the lender adds financed fees, include them in the amount. The rate field should match the note’s interest rate used for amortization, which may differ slightly from APR in edge cases.
For unsecured consumer loans with the same math, use our personal loan calculator. To stress-test vehicle offers specifically, open the auto loan calculator or car loan calculator.