What will this personal loan really cost?

Estimate monthly payment, total interest and payoff timing.

When this calculator is useful

Estimate the required payment and cost of a personal loan, including the effect of optional extra monthly payments.

What to enter

Enter loan amount, APR, loan term in months and any extra payment you plan to make each month.

How to read the result

Review the required monthly payment and compare it with the payment path including the extra amount to understand potential payoff acceleration and interest reduction.

Questions worth testing

Compare a shorter term, lower APR or an additional $50–$200 per month.