Personal Loan Calculator
AdvancedEstimate personal loan payments, interest, and net proceeds with origination fees.
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Calculate monthly payment, total interest, and effective proceeds for a personal loan. Choose whether the origination fee is deducted from proceeds, added to principal, or paid separately, with a full amortization schedule.
How to use this tool
Enter loan amount, APR, term in months, and origination fee as dollars or a percent of the loan. Choose how the fee is treated, then review payment, interest, and net proceeds.
Worked example
A $10,000 loan at 9% APR for 36 months with a $300 fee deducted yields about $9,700 proceeds and roughly $318/month.
How it works
Builds an amortization schedule for a personal loan, applying the origination fee as deducted from proceeds, added to principal, or paid separately.
Limitations
Estimates only for educational purposes. Not financial, tax, or legal advice. Verify figures with your lender, advisor, or official IRS/SSA sources before making decisions.
Privacy and file handling
Your data stays on your device and is not uploaded.
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