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Loan calculator: payment and total cost
Amount, term and rate — and you see the payment, total interest and the real rate with fees. Nothing leaves your device.
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010 million
150 years
Enter the amount, term, and rate to calculate the monthly payment
This calculation is an estimate, not a loan offer. Verify fees, insurance, and the disclosed APR in your lender agreement.
Monthly payment
$871.11
Loan summary
Loan principal
$100,000
Term
180 months
≈ 15 years
Total payments
$156,799
Total interest
$56,799
Cost above principal
$56,799
56.8% of principal
Estimated borrowing cost per year
6.69%
Based on payment timing and the fees you entered
With a 10-year term
−$20,542
less interest, payment $1,135
Uses the loan funding date and each scheduled payment date. Includes the amount received after upfront fees and all later payments. This estimate may differ from the APR disclosed by your lender. Methodology and limitations.
Download the calculation and schedule
Monthly payment$871
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Loan breakdownSee how your balance changes and how each payment is split among principal, interest, and fees.
Payment schedule(180 payments)
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| # | Date | Payment | Principal | Interest | Fees | Balance |
|---|---|---|---|---|---|---|
| 1 | Oct 1, 2026 | $871.11 | $329.44 | $541.67 | — | $99,670.56 |
| 2 | Nov 1, 2026 | $871.11 | $331.23 | $539.88 | — | $99,339.33 |
| 3 | Dec 1, 2026 | $871.11 | $333.02 | $538.09 | — | $99,006.31 |
| 4 | Jan 1, 2027 | $871.11 | $334.82 | $536.28 | — | $98,671.49 |
| 5 | Feb 1, 2027 | $871.11 | $336.64 | $534.47 | — | $98,334.85 |
| 6 | Mar 1, 2027 | $871.11 | $338.46 | $532.65 | — | $97,996.39 |
| 7 | Apr 1, 2027 | $871.11 | $340.29 | $530.81 | — | $97,656.1 |
| 8 | May 1, 2027 | $871.11 | $342.14 | $528.97 | — | $97,313.96 |
| 9 | Jun 1, 2027 | $871.11 | $343.99 | $527.12 | — | $96,969.97 |
| 10 | Jul 1, 2027 | $871.11 | $345.85 | $525.25 | — | $96,624.12 |
| 11 | Aug 1, 2027 | $871.11 | $347.73 | $523.38 | — | $96,276.39 |
| 12 | Sep 1, 2027 | $871.11 | $349.61 | $521.5 | — | $95,926.78 |