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Personal Loan Calculator

Estimate personal-loan payments, origination fees, monthly insurance and the resulting borrowing cash-flow cost.

Currency: USD

Currency

Enter all amounts in USD. Changing currency keeps numbers unchanged; no exchange rate is applied.

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EXAMPLE RESULTCalculated locally

Regular monthly payment: $1,580.17
Loan amount: $250,000.00
Total interest: $318,861.22
Total payments: $568,861.22
Payoff time: 360 months

My workspace

Loan balance over time

USD

Balance

Payment 360

Balance$0.00

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Loan payment breakdown

USD

Principal and interest over the loan term.

Total$568,861.22

Principal$250,000.0043.9%
Interest$318,861.2256.1%

Detailed breakdown

All 360 rows

The complete calculation, row by row. Amounts in USD.

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Detailed breakdown · All 360 rows
Payment	Month	Payment amount (USD)	Principal (USD)	Interest (USD)	Balance (USD)
1	2026-11	1,580.17	226.00	1,354.17	249,774.00
2	2026-12	1,580.17	227.23	1,352.94	249,546.77
3	2027-01	1,580.17	228.46	1,351.71	249,318.31
4	2027-02	1,580.17	229.70	1,350.47	249,088.61
5	2027-03	1,580.17	230.94	1,349.23	248,857.67
6	2027-04	1,580.17	232.19	1,347.98	248,625.48
7	2027-05	1,580.17	233.45	1,346.72	248,392.04
8	2027-06	1,580.17	234.71	1,345.46	248,157.32
9	2027-07	1,580.17	235.98	1,344.19	247,921.34
10	2027-08	1,580.17	237.26	1,342.91	247,684.07
11	2027-09	1,580.17	238.55	1,341.62	247,445.53
12	2027-10	1,580.17	239.84	1,340.33	247,205.69
13	2027-11	1,580.17	241.14	1,339.03	246,964.55
14	2027-12	1,580.17	242.45	1,337.72	246,722.10
15	2028-01	1,580.17	243.76	1,336.41	246,478.34
16	2028-02	1,580.17	245.08	1,335.09	246,233.26
17	2028-03	1,580.17	246.41	1,333.76	245,986.86
18	2028-04	1,580.17	247.74	1,332.43	245,739.12
19	2028-05	1,580.17	249.08	1,331.09	245,490.03
20	2028-06	1,580.17	250.43	1,329.74	245,239.60
21	2028-07	1,580.17	251.79	1,328.38	244,987.81
22	2028-08	1,580.17	253.15	1,327.02	244,734.66
23	2028-09	1,580.17	254.52	1,325.65	244,480.13
24	2028-10	1,580.17	255.90	1,324.27	244,224.23
25	2028-11	1,580.17	257.29	1,322.88	243,966.94
26	2028-12	1,580.17	258.68	1,321.49	243,708.26
27	2029-01	1,580.17	260.08	1,320.09	243,448.18
28	2029-02	1,580.17	261.49	1,318.68	243,186.68
29	2029-03	1,580.17	262.91	1,317.26	242,923.78
30	2029-04	1,580.17	264.33	1,315.84	242,659.44
31	2029-05	1,580.17	265.76	1,314.41	242,393.68
32	2029-06	1,580.17	267.20	1,312.97	242,126.47
33	2029-07	1,580.17	268.65	1,311.52	241,857.82
34	2029-08	1,580.17	270.11	1,310.06	241,587.72
35	2029-09	1,580.17	271.57	1,308.60	241,316.15
36	2029-10	1,580.17	273.04	1,307.13	241,043.10
37	2029-11	1,580.17	274.52	1,305.65	240,768.58
38	2029-12	1,580.17	276.01	1,304.16	240,492.58
39	2030-01	1,580.17	277.50	1,302.67	240,215.08
40	2030-02	1,580.17	279.01	1,301.16	239,936.07
41	2030-03	1,580.17	280.52	1,299.65	239,655.55
42	2030-04	1,580.17	282.04	1,298.13	239,373.52
43	2030-05	1,580.17	283.56	1,296.61	239,089.96
44	2030-06	1,580.17	285.10	1,295.07	238,804.86
45	2030-07	1,580.17	286.64	1,293.53	238,518.21
46	2030-08	1,580.17	288.20	1,291.97	238,230.02
47	2030-09	1,580.17	289.76	1,290.41	237,940.26
48	2030-10	1,580.17	291.33	1,288.84	237,648.93
49	2030-11	1,580.17	292.91	1,287.27	237,356.03
50	2030-12	1,580.17	294.49	1,285.68	237,061.53
51	2031-01	1,580.17	296.09	1,284.08	236,765.45
52	2031-02	1,580.17	297.69	1,282.48	236,467.76
53	2031-03	1,580.17	299.30	1,280.87	236,168.45
54	2031-04	1,580.17	300.92	1,279.25	235,867.53
55	2031-05	1,580.17	302.55	1,277.62	235,564.98
56	2031-06	1,580.17	304.19	1,275.98	235,260.78
57	2031-07	1,580.17	305.84	1,274.33	234,954.94
58	2031-08	1,580.17	307.50	1,272.67	234,647.44
59	2031-09	1,580.17	309.16	1,271.01	234,338.28
60	2031-10	1,580.17	310.84	1,269.33	234,027.44
61	2031-11	1,580.17	312.52	1,267.65	233,714.92
62	2031-12	1,580.17	314.21	1,265.96	233,400.71
63	2032-01	1,580.17	315.92	1,264.25	233,084.79
64	2032-02	1,580.17	317.63	1,262.54	232,767.16
65	2032-03	1,580.17	319.35	1,260.82	232,447.82
66	2032-04	1,580.17	321.08	1,259.09	232,126.74
67	2032-05	1,580.17	322.82	1,257.35	231,803.92
68	2032-06	1,580.17	324.57	1,255.60	231,479.36
69	2032-07	1,580.17	326.32	1,253.85	231,153.03
70	2032-08	1,580.17	328.09	1,252.08	230,824.94
71	2032-09	1,580.17	329.87	1,250.30	230,495.07
72	2032-10	1,580.17	331.66	1,248.51	230,163.42
73	2032-11	1,580.17	333.45	1,246.72	229,829.97
74	2032-12	1,580.17	335.26	1,244.91	229,494.71
75	2033-01	1,580.17	337.07	1,243.10	229,157.64
76	2033-02	1,580.17	338.90	1,241.27	228,818.74
77	2033-03	1,580.17	340.74	1,239.43	228,478.00
78	2033-04	1,580.17	342.58	1,237.59	228,135.42
79	2033-05	1,580.17	344.44	1,235.73	227,790.98
80	2033-06	1,580.17	346.30	1,233.87	227,444.68
81	2033-07	1,580.17	348.18	1,231.99	227,096.50
82	2033-08	1,580.17	350.06	1,230.11	226,746.44
83	2033-09	1,580.17	351.96	1,228.21	226,394.48
84	2033-10	1,580.17	353.87	1,226.30	226,040.61
85	2033-11	1,580.17	355.78	1,224.39	225,684.83
86	2033-12	1,580.17	357.71	1,222.46	225,327.12
87	2034-01	1,580.17	359.65	1,220.52	224,967.47
88	2034-02	1,580.17	361.60	1,218.57	224,605.87
89	2034-03	1,580.17	363.55	1,216.62	224,242.32
90	2034-04	1,580.17	365.52	1,214.65	223,876.79
91	2034-05	1,580.17	367.50	1,212.67	223,509.29
92	2034-06	1,580.17	369.49	1,210.68	223,139.80
93	2034-07	1,580.17	371.50	1,208.67	222,768.30
94	2034-08	1,580.17	373.51	1,206.66	222,394.79
95	2034-09	1,580.17	375.53	1,204.64	222,019.26
96	2034-10	1,580.17	377.57	1,202.60	221,641.69
97	2034-11	1,580.17	379.61	1,200.56	221,262.08
98	2034-12	1,580.17	381.67	1,198.50	220,880.42
99	2035-01	1,580.17	383.73	1,196.44	220,496.68
100	2035-02	1,580.17	385.81	1,194.36	220,110.87
101	2035-03	1,580.17	387.90	1,192.27	219,722.97
102	2035-04	1,580.17	390.00	1,190.17	219,332.96
103	2035-05	1,580.17	392.12	1,188.05	218,940.84
104	2035-06	1,580.17	394.24	1,185.93	218,546.60
105	2035-07	1,580.17	396.38	1,183.79	218,150.23
106	2035-08	1,580.17	398.52	1,181.65	217,751.71
107	2035-09	1,580.17	400.68	1,179.49	217,351.02
108	2035-10	1,580.17	402.85	1,177.32	216,948.17
109	2035-11	1,580.17	405.03	1,175.14	216,543.14
110	2035-12	1,580.17	407.23	1,172.94	216,135.91
111	2036-01	1,580.17	409.43	1,170.74	215,726.48
112	2036-02	1,580.17	411.65	1,168.52	215,314.82
113	2036-03	1,580.17	413.88	1,166.29	214,900.94
114	2036-04	1,580.17	416.12	1,164.05	214,484.82
115	2036-05	1,580.17	418.38	1,161.79	214,066.44
116	2036-06	1,580.17	420.64	1,159.53	213,645.80
117	2036-07	1,580.17	422.92	1,157.25	213,222.88
118	2036-08	1,580.17	425.21	1,154.96	212,797.66
119	2036-09	1,580.17	427.52	1,152.65	212,370.15
120	2036-10	1,580.17	429.83	1,150.34	211,940.32
121	2036-11	1,580.17	432.16	1,148.01	211,508.16
122	2036-12	1,580.17	434.50	1,145.67	211,073.66
123	2037-01	1,580.17	436.85	1,143.32	210,636.80
124	2037-02	1,580.17	439.22	1,140.95	210,197.58
125	2037-03	1,580.17	441.60	1,138.57	209,755.98
126	2037-04	1,580.17	443.99	1,136.18	209,311.99
127	2037-05	1,580.17	446.40	1,133.77	208,865.59
128	2037-06	1,580.17	448.81	1,131.36	208,416.78
129	2037-07	1,580.17	451.25	1,128.92	207,965.53
130	2037-08	1,580.17	453.69	1,126.48	207,511.84
131	2037-09	1,580.17	456.15	1,124.02	207,055.69
132	2037-10	1,580.17	458.62	1,121.55	206,597.07
133	2037-11	1,580.17	461.10	1,119.07	206,135.97
134	2037-12	1,580.17	463.60	1,116.57	205,672.37
135	2038-01	1,580.17	466.11	1,114.06	205,206.26
136	2038-02	1,580.17	468.64	1,111.53	204,737.62
137	2038-03	1,580.17	471.17	1,109.00	204,266.45
138	2038-04	1,580.17	473.73	1,106.44	203,792.72
139	2038-05	1,580.17	476.29	1,103.88	203,316.43
140	2038-06	1,580.17	478.87	1,101.30	202,837.56
141	2038-07	1,580.17	481.47	1,098.70	202,356.09
142	2038-08	1,580.17	484.07	1,096.10	201,872.02
143	2038-09	1,580.17	486.70	1,093.47	201,385.32
144	2038-10	1,580.17	489.33	1,090.84	200,895.99
145	2038-11	1,580.17	491.98	1,088.19	200,404.00
146	2038-12	1,580.17	494.65	1,085.52	199,909.35
147	2039-01	1,580.17	497.33	1,082.84	199,412.03
148	2039-02	1,580.17	500.02	1,080.15	198,912.01
149	2039-03	1,580.17	502.73	1,077.44	198,409.28
150	2039-04	1,580.17	505.45	1,074.72	197,903.82
151	2039-05	1,580.17	508.19	1,071.98	197,395.63
152	2039-06	1,580.17	510.94	1,069.23	196,884.69
153	2039-07	1,580.17	513.71	1,066.46	196,370.98
154	2039-08	1,580.17	516.49	1,063.68	195,854.48
155	2039-09	1,580.17	519.29	1,060.88	195,335.19
156	2039-10	1,580.17	522.10	1,058.07	194,813.09
157	2039-11	1,580.17	524.93	1,055.24	194,288.15
158	2039-12	1,580.17	527.78	1,052.39	193,760.38
159	2040-01	1,580.17	530.63	1,049.54	193,229.74
160	2040-02	1,580.17	533.51	1,046.66	192,696.23
161	2040-03	1,580.17	536.40	1,043.77	192,159.84
162	2040-04	1,580.17	539.30	1,040.87	191,620.53
163	2040-05	1,580.17	542.23	1,037.94	191,078.31
164	2040-06	1,580.17	545.16	1,035.01	190,533.14
165	2040-07	1,580.17	548.12	1,032.05	189,985.03
166	2040-08	1,580.17	551.08	1,029.09	189,433.94
167	2040-09	1,580.17	554.07	1,026.10	188,879.87
168	2040-10	1,580.17	557.07	1,023.10	188,322.80
169	2040-11	1,580.17	560.09	1,020.08	187,762.71
170	2040-12	1,580.17	563.12	1,017.05	187,199.59
171	2041-01	1,580.17	566.17	1,014.00	186,633.42
172	2041-02	1,580.17	569.24	1,010.93	186,064.18
173	2041-03	1,580.17	572.32	1,007.85	185,491.86
174	2041-04	1,580.17	575.42	1,004.75	184,916.44
175	2041-05	1,580.17	578.54	1,001.63	184,337.90
176	2041-06	1,580.17	581.67	998.50	183,756.22
177	2041-07	1,580.17	584.82	995.35	183,171.40
178	2041-08	1,580.17	587.99	992.18	182,583.41
179	2041-09	1,580.17	591.18	988.99	181,992.23
180	2041-10	1,580.17	594.38	985.79	181,397.85
181	2041-11	1,580.17	597.60	982.57	180,800.25
182	2041-12	1,580.17	600.84	979.33	180,199.42
183	2042-01	1,580.17	604.09	976.08	179,595.33
184	2042-02	1,580.17	607.36	972.81	178,987.97
185	2042-03	1,580.17	610.65	969.52	178,377.32
186	2042-04	1,580.17	613.96	966.21	177,763.36
187	2042-05	1,580.17	617.29	962.88	177,146.07
188	2042-06	1,580.17	620.63	959.54	176,525.44
189	2042-07	1,580.17	623.99	956.18	175,901.45
190	2042-08	1,580.17	627.37	952.80	175,274.08
191	2042-09	1,580.17	630.77	949.40	174,643.31
192	2042-10	1,580.17	634.19	945.98	174,009.13
193	2042-11	1,580.17	637.62	942.55	173,371.51
194	2042-12	1,580.17	641.07	939.10	172,730.43
195	2043-01	1,580.17	644.55	935.62	172,085.88
196	2043-02	1,580.17	648.04	932.13	171,437.85
197	2043-03	1,580.17	651.55	928.62	170,786.30
198	2043-04	1,580.17	655.08	925.09	170,131.22
199	2043-05	1,580.17	658.63	921.54	169,472.59
200	2043-06	1,580.17	662.19	917.98	168,810.40
201	2043-07	1,580.17	665.78	914.39	168,144.62
202	2043-08	1,580.17	669.39	910.78	167,475.23
203	2043-09	1,580.17	673.01	907.16	166,802.22
204	2043-10	1,580.17	676.66	903.51	166,125.56
205	2043-11	1,580.17	680.32	899.85	165,445.24
206	2043-12	1,580.17	684.01	896.16	164,761.23
207	2044-01	1,580.17	687.71	892.46	164,073.52
208	2044-02	1,580.17	691.44	888.73	163,382.08
209	2044-03	1,580.17	695.18	884.99	162,686.90
210	2044-04	1,580.17	698.95	881.22	161,987.95
211	2044-05	1,580.17	702.74	877.43	161,285.21
212	2044-06	1,580.17	706.54	873.63	160,578.67
213	2044-07	1,580.17	710.37	869.80	159,868.30
214	2044-08	1,580.17	714.22	865.95	159,154.08
215	2044-09	1,580.17	718.09	862.08	158,436.00
216	2044-10	1,580.17	721.98	858.19	157,714.02
217	2044-11	1,580.17	725.89	854.28	156,988.14
218	2044-12	1,580.17	729.82	850.35	156,258.32
219	2045-01	1,580.17	733.77	846.40	155,524.55
220	2045-02	1,580.17	737.75	842.42	154,786.80
221	2045-03	1,580.17	741.74	838.43	154,045.06
222	2045-04	1,580.17	745.76	834.41	153,299.30
223	2045-05	1,580.17	749.80	830.37	152,549.50
224	2045-06	1,580.17	753.86	826.31	151,795.64
225	2045-07	1,580.17	757.94	822.23	151,037.70
226	2045-08	1,580.17	762.05	818.12	150,275.65
227	2045-09	1,580.17	766.18	813.99	149,509.47
228	2045-10	1,580.17	770.33	809.84	148,739.15
229	2045-11	1,580.17	774.50	805.67	147,964.65
230	2045-12	1,580.17	778.69	801.48	147,185.95
231	2046-01	1,580.17	782.91	797.26	146,403.04
232	2046-02	1,580.17	787.15	793.02	145,615.89
233	2046-03	1,580.17	791.42	788.75	144,824.47
234	2046-04	1,580.17	795.70	784.47	144,028.76
235	2046-05	1,580.17	800.01	780.16	143,228.75
236	2046-06	1,580.17	804.35	775.82	142,424.40
237	2046-07	1,580.17	808.70	771.47	141,615.70
238	2046-08	1,580.17	813.09	767.09	140,802.61
239	2046-09	1,580.17	817.49	762.68	139,985.12
240	2046-10	1,580.17	821.92	758.25	139,163.21
241	2046-11	1,580.17	826.37	753.80	138,336.84
242	2046-12	1,580.17	830.85	749.32	137,505.99
243	2047-01	1,580.17	835.35	744.82	136,670.65
244	2047-02	1,580.17	839.87	740.30	135,830.77
245	2047-03	1,580.17	844.42	735.75	134,986.35
246	2047-04	1,580.17	848.99	731.18	134,137.36
247	2047-05	1,580.17	853.59	726.58	133,283.77
248	2047-06	1,580.17	858.22	721.95	132,425.55
249	2047-07	1,580.17	862.86	717.31	131,562.69
250	2047-08	1,580.17	867.54	712.63	130,695.15
251	2047-09	1,580.17	872.24	707.93	129,822.91
252	2047-10	1,580.17	876.96	703.21	128,945.95
253	2047-11	1,580.17	881.71	698.46	128,064.23
254	2047-12	1,580.17	886.49	693.68	127,177.75
255	2048-01	1,580.17	891.29	688.88	126,286.46
256	2048-02	1,580.17	896.12	684.05	125,390.34
257	2048-03	1,580.17	900.97	679.20	124,489.36
258	2048-04	1,580.17	905.85	674.32	123,583.51
259	2048-05	1,580.17	910.76	669.41	122,672.75
260	2048-06	1,580.17	915.69	664.48	121,757.06
261	2048-07	1,580.17	920.65	659.52	120,836.41
262	2048-08	1,580.17	925.64	654.53	119,910.77
263	2048-09	1,580.17	930.65	649.52	118,980.11
264	2048-10	1,580.17	935.69	644.48	118,044.42
265	2048-11	1,580.17	940.76	639.41	117,103.66
266	2048-12	1,580.17	945.86	634.31	116,157.80
267	2049-01	1,580.17	950.98	629.19	115,206.82
268	2049-02	1,580.17	956.13	624.04	114,250.68
269	2049-03	1,580.17	961.31	618.86	113,289.37
270	2049-04	1,580.17	966.52	613.65	112,322.85
271	2049-05	1,580.17	971.75	608.42	111,351.10
272	2049-06	1,580.17	977.02	603.15	110,374.08
273	2049-07	1,580.17	982.31	597.86	109,391.77
274	2049-08	1,580.17	987.63	592.54	108,404.14
275	2049-09	1,580.17	992.98	587.19	107,411.16
276	2049-10	1,580.17	998.36	581.81	106,412.80
277	2049-11	1,580.17	1,003.77	576.40	105,409.03
278	2049-12	1,580.17	1,009.20	570.97	104,399.82
279	2050-01	1,580.17	1,014.67	565.50	103,385.15
280	2050-02	1,580.17	1,020.17	560.00	102,364.99
281	2050-03	1,580.17	1,025.69	554.48	101,339.29
282	2050-04	1,580.17	1,031.25	548.92	100,308.04
283	2050-05	1,580.17	1,036.83	543.34	99,271.21
284	2050-06	1,580.17	1,042.45	537.72	98,228.76
285	2050-07	1,580.17	1,048.10	532.07	97,180.66
286	2050-08	1,580.17	1,053.77	526.40	96,126.89
287	2050-09	1,580.17	1,059.48	520.69	95,067.40
288	2050-10	1,580.17	1,065.22	514.95	94,002.18
289	2050-11	1,580.17	1,070.99	509.18	92,931.19
290	2050-12	1,580.17	1,076.79	503.38	91,854.40
291	2051-01	1,580.17	1,082.63	497.54	90,771.77
292	2051-02	1,580.17	1,088.49	491.68	89,683.28
293	2051-03	1,580.17	1,094.39	485.78	88,588.90
294	2051-04	1,580.17	1,100.31	479.86	87,488.58
295	2051-05	1,580.17	1,106.27	473.90	86,382.31
296	2051-06	1,580.17	1,112.27	467.90	85,270.04
297	2051-07	1,580.17	1,118.29	461.88	84,151.75
298	2051-08	1,580.17	1,124.35	455.82	83,027.40
299	2051-09	1,580.17	1,130.44	449.73	81,896.97
300	2051-10	1,580.17	1,136.56	443.61	80,760.41
301	2051-11	1,580.17	1,142.72	437.45	79,617.69
302	2051-12	1,580.17	1,148.91	431.26	78,468.78
303	2052-01	1,580.17	1,155.13	425.04	77,313.65
304	2052-02	1,580.17	1,161.39	418.78	76,152.26
305	2052-03	1,580.17	1,167.68	412.49	74,984.58
306	2052-04	1,580.17	1,174.00	406.17	73,810.58
307	2052-05	1,580.17	1,180.36	399.81	72,630.22
308	2052-06	1,580.17	1,186.76	393.41	71,443.46
309	2052-07	1,580.17	1,193.18	386.99	70,250.28
310	2052-08	1,580.17	1,199.65	380.52	69,050.63
311	2052-09	1,580.17	1,206.15	374.02	67,844.48
312	2052-10	1,580.17	1,212.68	367.49	66,631.80
313	2052-11	1,580.17	1,219.25	360.92	65,412.55
314	2052-12	1,580.17	1,225.85	354.32	64,186.70
315	2053-01	1,580.17	1,232.49	347.68	62,954.21
316	2053-02	1,580.17	1,239.17	341.00	61,715.04
317	2053-03	1,580.17	1,245.88	334.29	60,469.16
318	2053-04	1,580.17	1,252.63	327.54	59,216.53
319	2053-05	1,580.17	1,259.41	320.76	57,957.12
320	2053-06	1,580.17	1,266.24	313.93	56,690.88
321	2053-07	1,580.17	1,273.09	307.08	55,417.79
322	2053-08	1,580.17	1,279.99	300.18	54,137.80
323	2053-09	1,580.17	1,286.92	293.25	52,850.88
324	2053-10	1,580.17	1,293.89	286.28	51,556.98
325	2053-11	1,580.17	1,300.90	279.27	50,256.08
326	2053-12	1,580.17	1,307.95	272.22	48,948.13
327	2054-01	1,580.17	1,315.03	265.14	47,633.09
328	2054-02	1,580.17	1,322.16	258.01	46,310.94
329	2054-03	1,580.17	1,329.32	250.85	44,981.62
330	2054-04	1,580.17	1,336.52	243.65	43,645.10
331	2054-05	1,580.17	1,343.76	236.41	42,301.34
332	2054-06	1,580.17	1,351.04	229.13	40,950.30
333	2054-07	1,580.17	1,358.36	221.81	39,591.94
334	2054-08	1,580.17	1,365.71	214.46	38,226.23
335	2054-09	1,580.17	1,373.11	207.06	36,853.12
336	2054-10	1,580.17	1,380.55	199.62	35,472.57
337	2054-11	1,580.17	1,388.03	192.14	34,084.54
338	2054-12	1,580.17	1,395.55	184.62	32,689.00
339	2055-01	1,580.17	1,403.10	177.07	31,285.89
340	2055-02	1,580.17	1,410.70	169.47	29,875.19
341	2055-03	1,580.17	1,418.35	161.82	28,456.84
342	2055-04	1,580.17	1,426.03	154.14	27,030.81
343	2055-05	1,580.17	1,433.75	146.42	25,597.06
344	2055-06	1,580.17	1,441.52	138.65	24,155.54
345	2055-07	1,580.17	1,449.33	130.84	22,706.21
346	2055-08	1,580.17	1,457.18	122.99	21,249.04
347	2055-09	1,580.17	1,465.07	115.10	19,783.96
348	2055-10	1,580.17	1,473.01	107.16	18,310.96
349	2055-11	1,580.17	1,480.99	99.18	16,829.97
350	2055-12	1,580.17	1,489.01	91.16	15,340.96
351	2056-01	1,580.17	1,497.07	83.10	13,843.89
352	2056-02	1,580.17	1,505.18	74.99	12,338.71
353	2056-03	1,580.17	1,513.34	66.83	10,825.37
354	2056-04	1,580.17	1,521.53	58.64	9,303.84
355	2056-05	1,580.17	1,529.77	50.40	7,774.07
356	2056-06	1,580.17	1,538.06	42.11	6,236.01
357	2056-07	1,580.17	1,546.39	33.78	4,689.61
358	2056-08	1,580.17	1,554.77	25.40	3,134.85
359	2056-09	1,580.17	1,563.19	16.98	1,571.66
360	2056-10	1,580.17	1,571.66	8.51	0.00

How it works

A useful distinction

Small monthly add-ons change the offer

An extra 30 of monthly insurance adds 1,800 over 60 scheduled payments, even if the quoted interest rate is unchanged. Compare payment plus insurance and total cash cost using the same term and net proceeds.

Understanding the cash cost of a personal loan

The amount financed and the cash you receive can differ when a personal loan includes an origination fee or insurance. Use the fee and cash-cost mode to separate those amounts. Compare the payment with the total borrowing cost, and keep the repayment term the same when evaluating offers. The lender's fee treatment matters as much as the advertised rate.

Loan & schedule: formula and assumptions

Payment = P × r / [1−(1+r)^−n], where r is the monthly rate.

Equal monthly payments amortize a fixed-rate loan. Extra payments reduce principal after the regular payment.

Origination fee, insurance & cash cost: formula and assumptions

Solve the monthly cash-flow rate using principal minus fee as net proceeds and payment plus insurance as outflow.

Payment uses the contractual note principal. Total-cash-flow annual cost is distinct from regulatory APR because insurance and finance-charge classification depend on the transaction.

Worked example

Reference example currency: USD. These fixed examples do not change with your calculator preferences.

Using the Loan & schedule example:

Inputs

Loan amount ($): 250000
Annual interest rate (%): 6.5
Term (years): 30
Extra monthly payment ($): 0
First payment month: 2026-11-01

Method

Payment = P × r / [1−(1+r)^−n], where r is the monthly rate.

Result

Example result

Regular monthly payment: $1,580.17

Loan amount: $250,000.00

Total interest: $318,861.22

Total payments: $568,861.22

Payoff time: 360 months

These are illustrative inputs. Change the values to explore a different scenario.

What to keep in mind

The standard repayment mode omits fees. The cash-cost mode includes entered origination fees and monthly insurance but does not classify regulatory finance charges or determine a legal APR.

Formula references

References explain the underlying methods; they do not imply endorsement or individual professional review of Finflo.

Common questions

Where do I include an origination fee?

Use Origination fee, insurance & cash cost. The fee can be a percentage or dollar amount and can be withheld from disbursement or paid separately upfront.

Does the cash-flow cost equal the lender’s disclosed APR?

Not necessarily. It includes the insurance amount you enter. Regulatory APR depends on which charges must be included under the transaction’s rules.

Why is the payment based on more money than I receive?

An origination fee can reduce net proceeds while the contractual payment still repays the full note principal.

Prepared by Finflo. See our methodology and editorial policy. Read the relevant professional-advice limitations.