Personal Loan Calculator
Work out personal loan monthly payments, total interest cost, amortization, early repayment savings, and rate scenarios.
Loan details
Adjust the numbers — results update instantly.
Payment method
Fixed monthly payment — 等额本息
36 months · type any years or pick a preset
1 = January … 12 = December
First payment: Nov 2026
Early repayment
Rate comparison
Results
Amortizing · $15,000.00 · 11% APR · 3 yr · starts Nov 2026
- Monthly payment
- $491.08
- Total interest
- $2,678.91
- Total paid
- $17,678.91
- Payoff date
- Oct 2029
- Payoff time
- 3 yr
- First payment
- Nov 2026
Rate comparison
Same method (Amortizing) and term — no extra payments.
| APR | Payment | Interest | Total paid |
|---|---|---|---|
| 11% | $491.08 | $2,678.91 | $17,678.91 |
| 12% | $498.21 | $2,935.75 | $17,935.75 |
| 13% | $505.41 | $3,194.77 | $18,194.77 |
Method comparison
Same loan amount, APR, and term — no extra payments · balloon due in 3 yr.
| Method | Payment | Interest | Total paid |
|---|---|---|---|
| 3 yr | $491.08 | $2,678.91 | $17,678.91 |
| 3 yr | $554.17 | $2,543.73 | $17,543.73 |
| 3 yr | $137.50+ balloon $15,000.00 | $4,950.00 | $19,950.00 |
| 2 yr 19 biweekly | $245.54 | $2,391.05 | $17,391.05 |
| 3 yr | $491.08+ balloon $0.03 | $2,678.91 | $17,678.91 |
Amortization schedule
Showing 24 of 36 periods
| # | Date | Payment | Principal | Interest | Extra | Balance |
|---|---|---|---|---|---|---|
| 1 | Nov 2026 | $491.08 | $353.58 | $137.50 | $0.00 | $14,646.42 |
| 2 | Dec 2026 | $491.08 | $356.82 | $134.26 | $0.00 | $14,289.60 |
| 3 | Jan 2027 | $491.08 | $360.09 | $130.99 | $0.00 | $13,929.51 |
| 4 | Feb 2027 | $491.08 | $363.39 | $127.69 | $0.00 | $13,566.12 |
| 5 | Mar 2027 | $491.08 | $366.72 | $124.36 | $0.00 | $13,199.40 |
| 6 | Apr 2027 | $491.08 | $370.09 | $120.99 | $0.00 | $12,829.31 |
| 7 | May 2027 | $491.08 | $373.48 | $117.60 | $0.00 | $12,455.83 |
| 8 | Jun 2027 | $491.08 | $376.90 | $114.18 | $0.00 | $12,078.93 |
| 9 | Jul 2027 | $491.08 | $380.36 | $110.72 | $0.00 | $11,698.57 |
| 10 | Aug 2027 | $491.08 | $383.84 | $107.24 | $0.00 | $11,314.73 |
| 11 | Sep 2027 | $491.08 | $387.36 | $103.72 | $0.00 | $10,927.37 |
| 12 | Oct 2027 | $491.08 | $390.91 | $100.17 | $0.00 | $10,536.46 |
| 13 | Nov 2027 | $491.08 | $394.50 | $96.58 | $0.00 | $10,141.96 |
| 14 | Dec 2027 | $491.08 | $398.11 | $92.97 | $0.00 | $9,743.85 |
| 15 | Jan 2028 | $491.08 | $401.76 | $89.32 | $0.00 | $9,342.09 |
| 16 | Feb 2028 | $491.08 | $405.44 | $85.64 | $0.00 | $8,936.65 |
| 17 | Mar 2028 | $491.08 | $409.16 | $81.92 | $0.00 | $8,527.49 |
| 18 | Apr 2028 | $491.08 | $412.91 | $78.17 | $0.00 | $8,114.58 |
| 19 | May 2028 | $491.08 | $416.70 | $74.38 | $0.00 | $7,697.88 |
| 20 | Jun 2028 | $491.08 | $420.52 | $70.56 | $0.00 | $7,277.36 |
| 21 | Jul 2028 | $491.08 | $424.37 | $66.71 | $0.00 | $6,852.99 |
| 22 | Aug 2028 | $491.08 | $428.26 | $62.82 | $0.00 | $6,424.73 |
| 23 | Sep 2028 | $491.08 | $432.19 | $58.89 | $0.00 | $5,992.54 |
| 24 | Oct 2028 | $491.08 | $436.15 | $54.93 | $0.00 | $5,556.39 |
Estimates only. Actual lender terms, fees, taxes, and insurance may differ. Not financial advice.
Personal Loan FAQ
What APR should I enter for a personal loan?
Use the APR quoted by the lender (not just a promotional teaser rate). Personal loan APRs vary widely with credit profile and loan length.
Can extra payments reduce personal loan interest?
Yes. Adding a fixed extra amount each month — or a one-time lump sum — shortens the payoff and cuts total interest. The early repayment panel shows the savings.