Personal Loan Calculator
Compare borrowed principal with cash received after fees and trace the repayment schedule.
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Your Assumptions
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Results
Net Cash Received$10,000.00
Upfront Fees$0.00
Scheduled Monthly Payment$322.67
Estimated Contract APR10.000%
Interest with Extra Payments$1,616.19
Interest Plus Fees$1,616.19
Payment schedule
View monthly schedule (36 payments)
| Payment month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $322.67 | $239.34 | $83.33 | $9,760.66 |
| 2 | $322.67 | $241.33 | $81.34 | $9,519.33 |
| 3 | $322.67 | $243.34 | $79.33 | $9,275.98 |
| 4 | $322.67 | $245.37 | $77.30 | $9,030.61 |
| 5 | $322.67 | $247.42 | $75.26 | $8,783.20 |
| 6 | $322.67 | $249.48 | $73.19 | $8,533.72 |
| 7 | $322.67 | $251.56 | $71.11 | $8,282.16 |
| 8 | $322.67 | $253.65 | $69.02 | $8,028.51 |
| 9 | $322.67 | $255.77 | $66.90 | $7,772.74 |
| 10 | $322.67 | $257.90 | $64.77 | $7,514.84 |
| 11 | $322.67 | $260.05 | $62.62 | $7,254.79 |
| 12 | $322.67 | $262.22 | $60.46 | $6,992.58 |
| 13 | $322.67 | $264.40 | $58.27 | $6,728.17 |
| 14 | $322.67 | $266.60 | $56.07 | $6,461.57 |
| 15 | $322.67 | $268.83 | $53.85 | $6,192.75 |
| 16 | $322.67 | $271.07 | $51.61 | $5,921.68 |
| 17 | $322.67 | $273.32 | $49.35 | $5,648.36 |
| 18 | $322.67 | $275.60 | $47.07 | $5,372.75 |
| 19 | $322.67 | $277.90 | $44.77 | $5,094.85 |
| 20 | $322.67 | $280.21 | $42.46 | $4,814.64 |
| 21 | $322.67 | $282.55 | $40.12 | $4,532.09 |
| 22 | $322.67 | $284.90 | $37.77 | $4,247.19 |
| 23 | $322.67 | $287.28 | $35.39 | $3,959.91 |
| 24 | $322.67 | $289.67 | $33.00 | $3,670.23 |
| 25 | $322.67 | $292.09 | $30.59 | $3,378.15 |
| 26 | $322.67 | $294.52 | $28.15 | $3,083.63 |
| 27 | $322.67 | $296.97 | $25.70 | $2,786.65 |
| 28 | $322.67 | $299.45 | $23.22 | $2,487.20 |
| 29 | $322.67 | $301.95 | $20.73 | $2,185.26 |
| 30 | $322.67 | $304.46 | $18.21 | $1,880.80 |
| 31 | $322.67 | $307.00 | $15.67 | $1,573.80 |
| 32 | $322.67 | $309.56 | $13.11 | $1,264.24 |
| 33 | $322.67 | $312.14 | $10.54 | $952.10 |
| 34 | $322.67 | $314.74 | $7.93 | $637.37 |
| 35 | $322.67 | $317.36 | $5.31 | $320.01 |
| 36 | $322.67 | $320.01 | $2.67 | $0.00 |
Fixed-rate, month-end estimates use unrounded payments internally. Lender rounding and payment dates can change the final installment.
How it works›
Model assumptions. Fees are withheld from the loan proceeds. All entered fees are assumed to be finance charges. The estimated APR solves discounted contractual monthly payments against net proceeds, annualized as monthly rate times 12 (CFPB Regulation Z Appendix J). Extra payments change actual interest, not the contract APR. Odd periods, daily accrual and lender rounding are excluded.