💰 Loan Calculator
🔒 An toàn & Phía máy khách
Enter the loan amount, annual interest rate, and term in years to see your monthly payment, total interest paid, and a 12-month amortization preview. Standard formula for fixed-rate loans — mortgages, auto, personal.
Estimate only — not financial advice. Consult a qualified professional for important decisions.
How to use
- Enter the loan principal (the amount you borrow).
- Enter the annual interest rate as a percent (e.g. 4.5 for 4.5%).
- Enter the loan term in years.
- Click Calculate — the monthly payment, total cost, and amortization preview appear instantly.
Formula: M = P · r(1+r)n / ((1+r)n − 1), where r is the monthly rate (annual rate / 12) and n is the number of months. For a zero-rate loan the monthly payment is simply principal / months.
Assumes a fixed rate, equal monthly payments, and no fees, taxes, or insurance. Real loans usually include origination fees, escrow, and PMI — your actual monthly cost may be higher.