What does this loan calculator estimate?

This loan calculator estimates repayment schedule, interest cost, fees, insurance assumptions, total repayment, and payoff horizon based on your inputs.

Can I compare loan scenarios?

Yes. You can test different rates, terms, repayment models, extra payments, and lump-sum options to compare loan outcomes side by side.

Does it include debt-to-income (DTI)?

Yes. The calculator includes a practical affordability view using monthly budget and DTI-style assumptions entered by the user.

Are loan results guaranteed?

No. Results are planning estimates. Always confirm final loan terms, fees, insurance, and repayment rules with your lender.

Loan Calculator | Payment Schedule, Interest & Fees

Loan Calculator

Stress-test real loan scenarios with repayment model choices, grace periods, servicing fees, insurance, extra payments, and affordability checks.

Extra principalGrace periodCash-flow view

Loan Config

Loan principal (USD)

$85,000.00

Annual rate (%)8.75%

ScenarioHome loan

Payment frequencyMonthly

Payoff horizon20 yr

AffordabilityStretched

Scenario

Start from a real-life lending pattern, then tune the details.

Scenario

Start from a real-life lending pattern, then tune the details.

Scenario

Payment frequency

Repayment model

Core structure

Loan principal (USD) + Annual rate (%)

Loan principal (USD)

Annual rate (%)

Term (months)

Grace period (months)

Fees and cover

Service fee per payment (USD) + Annual insurance rate (%)

Service fee per payment (USD)

Annual insurance rate (%)

Early payoff moves

Extra principal per payment (USD) + Lump-sum amount (USD)

Extra principal per payment (USD)

Lump-sum month

Lump-sum amount (USD)

Affordability guardrails

Monthly income (USD) + DTI

Monthly income (USD)

Target DTI (%)

Loan outlook

Figures update instantly so you can pressure-test different repayment strategies before you borrow.

Monthly budget need$771.86Peak monthly equivalent: $778.98

Finance cost$100,245.99Interest only: $95,277.06

Interest saved$0.00Time saved: 0 mo

First payment$778.98

Peak monthly equivalent$778.98

Total repayment$185,245.99

Interest only$95,277.06

Fees and insurance$4,968.93

Debt-to-income35.1%

Target DTI (%)35%

Payoff horizon20 yr

Scenario compare

Use these reference cases to decide whether you want faster payoff, smoother cash flow, or a middle ground.

Faster payoff

Monthly budget need: $803.21Finance cost: $88,493.67Payoff horizon: 18 yr

Current setup

Monthly budget need: $771.86Finance cost: $100,245.99Payoff horizon: 20 yr

More flexible

Monthly budget need: $696.45Finance cost: $98,863.00Payoff horizon: 22 yr

Schedule preview

Opening and closing rows help you see how much of each payment actually reduces principal.

Period	Payment	Principal	Interest	Balance
1	$778.98	$131.36	$619.79	$84,868.64
2	$778.95	$132.32	$618.83	$84,736.32
3	$778.92	$133.28	$617.87	$84,603.04
4	$778.89	$134.25	$616.90	$84,468.79
5	$778.86	$135.23	$615.92	$84,333.56
6	$778.83	$136.22	$614.93	$84,197.34
...
237	$759.85	$729.64	$21.52	$2,221.00
238	$759.68	$734.97	$16.19	$1,486.03
239	$759.50	$740.31	$10.84	$745.72
240	$759.33	$745.72	$5.44	$0.00

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Help & answers

Frequently Asked Questions

Important disclaimer: Alexonic Tools is completely free to use. There is no charge, and we do not save tool inputs or generated results. We value customer privacy and keep building and fixing each day. Always verify important financial, payroll, legal, tax, business, or production-code results before relying on them. If you see an issue, need a tool, or require an update, send feedback to the developer.