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Loan Payment Breakdown Calculator

See where your payment goes.

See the payoff

Payoff date

Months saved

Total interest paid

Interest saved

Total monthly payment

1 · How is your loan repaid?

Fixed-rate loans only.

Equal monthly paymentSame payment every month. Common for mortgages, auto loans, and personal loans.Equal principalPrincipal stays fixed, so payments start higher and decrease over time.

2 · Enter your loan

Current balance$Annual interest rate%Required monthly payment$The fixed amount you commit to each month — not a credit-card minimum that shrinks as the balance falls.

Extra principal each month$0Added on top of your required payment.

Heavy interest → Even split → Mostly principal

Extra payments start with cash flow.

Before committing to more each month, see what comes in, what goes out, and what remains.

Educational estimate, not a payoff quote or financial advice.

Uses the annual interest rate and repayment method you enter in a fixed-rate monthly-payment model. For equal monthly payment, the required payment includes interest and principal. For equal principal, the required principal stays fixed and interest is added to it. It excludes daily interest, fees, variable rates, penalties, taxes, insurance, and lender-specific rules.

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