Loan calculator
Enter the amount, interest rate, term and optional fees to estimate the monthly payment and total borrowing cost before you compare offers.
Content reviewed and refreshed on 12 Sep 2026.
Calculation runs in your browser — your inputs never leave the device.
Your inputs
Takes ~ 1 minuteYour result
Fill in the fields above and click Calculate — your personalised plan appears here in a moment.
What this loan calculator shows
The calculator uses standard amortising loan math: each fixed monthly payment covers that month’s interest first, then reduces the principal. Early payments contain more interest; later payments reduce the balance faster.
What to compare
Use the monthly payment to check affordability, then compare total interest and upfront fees to understand the real cost of the term. A longer term usually lowers the payment but raises total interest.
Limits
This is a simplified estimate. It does not include taxes, insurance, variable-rate resets, early repayment penalties, lender-specific APR rules or advice.