Loan Calculator

Calculate your monthly payment, total interest and repayment schedule. Supports annuity and declining payments, plus fees and extra monthly costs.

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Finance

Loan amount

Enter the principal amount (add fees below if needed).

Annual interest rate

Annual rate in % (e.g. 36 means 36% per year).

Term

Loan term in months.

Payment type

Start date

Used to generate payment dates in the schedule.

One-time fee

A one-time fee in UAH paid when the loan is issued.

Monthly fee

Extra charge in UAH per month (not interest).

Insurance / extra monthly costs

Optional — affects “payment with extras”.

Result

CalcCore

Enter amount, rate and term.

Payment schedule (open)

Currency:

#	Date	Payment	Interest	Principal	Fees	Balance

How does the loan calculator work?

This calculator estimates the key loan metrics: monthly payment, total interest (overpayment), total amount paid, and it builds a month-by-month repayment schedule. It works for consumer loans, installments, auto loans and other products with regular payments.

Enter the loan amount, annual interest rate and the term in months. Then choose the payment type: annuity or declining. If you have extra costs (one-time fee, monthly fee, insurance), the calculator includes them so you can see a more realistic picture.

Annuity vs declining — what’s the difference?

Annuity — the payment is almost the same each month. Early payments include more interest, later payments include more principal.
Declining — principal is repaid evenly, interest decreases as the balance goes down, so monthly payments gradually become smaller.

What does it calculate?

Monthly payment (based on the chosen method)
Payment with extras — includes monthly fees/insurance if provided
Total interest — interest paid over the whole term
Total paid — total cost of the loan
Payment schedule — breakdown of interest/principal/fees by month

Why may it differ from a bank’s numbers?

Banks may use different day-count conventions, rounding rules, fee policies, or payment dates. This calculator provides a mathematical estimate based on your inputs, but always verify the exact terms in your contract.

FAQ

Should I enter the loan amount with fees or without?

It’s best to enter the principal only. Add fees and insurance in the fields below — then you’ll see both the “base” payment and the payment including extras.

Why isn’t the monthly payment constant for declining payments?

Because interest is calculated on the remaining balance. Principal is repaid evenly, the balance decreases, so the interest part decreases too. That’s why early payments are higher and later payments are lower.

What is “payment with extras”?

It’s an estimated monthly payment including monthly fees and insurance (if provided). The one-time fee is included in total cost, but not added to every month.

Can I download the repayment schedule?

Yes. Open “Payment schedule” and click Download CSV. You can open it in Excel/Google Sheets.

Does it calculate APR (effective rate)?

It shows the impact of fees via total cost, total interest and “payment with extras”. Full APR sometimes requires extra assumptions (exact day-count, bank methodology), but for planning this is usually sufficient.