CalcOS

Loan Calculator with APR, Fees and Amortization

Live
Parameters
Presets
60
1600
The original base amount before interest or growth.
$25,000.00
$100.00$10,000,000.00
$
Annual Percentage Rate (APR). US average 30yr mortgage: ~7%.
6.50%
0.00%99.00%
%

Advanced Insights (Optional)

Add optional income and existing-debt information to estimate how much of your gross monthly income would go toward debt payments.

$0.00
$0.00$1,000,000.00
$
$0.00
$0.00$500,000.00
$
Analytics Dashboard
Periodic Payment
$489.15

Over 60 payments of $489.15, you repay $25,000 of principal and $4,349.22 of interest.

Contractual Principal$25,000.00
Net Cash Proceeds$24,625.00
Total Interest Paid$4,349.22
Loan Cost Summary60 Months Payoff
Periodic Payment$489.15
Contractual Principal$25,000.00
Net Cash Proceeds$24,625.00
Total Interest$4,349.22
Total Repayment$29,724.22
Fee-Inclusive APR7.13%
Payoff Horizon60 Months (5.0 yrs)

Results are estimates for educational purposes and may differ from lender disclosures because of fees, payment timing, rounding, compounding conventions, and applicable regulations. This is not financial advice or a lending decision. APR and disclosure requirements vary by jurisdiction. CalcOS does not claim jurisdiction-specific legal compliance unless explicitly stated.

Affordability not assessed

Add gross monthly income and existing monthly debt under Advanced Insights to estimate your debt-service ratio.

InterpretationAdd gross monthly income and existing monthly debt under Advanced Insights to estimate your debt-service ratio.

How to Use the Universal Loan Calculator

The CalcOS Loan Calculator provides complete clarity on your borrowing costs. Model standard amortizing loans, fee-inclusive APRs, deferred-payment structures, balloon maturities, extra-payment payoff acceleration, and debt affordability ratios with mathematical precision.

Input variables:
  • Calculation Mode: Select the contractual loan structure (standard amortizing, deferred interest, balloon payoff, present value, or reverse solver).
  • Solve For Variable: Select which loan variable to solve for when operating in reverse solver mode.
  • Discount / Compound Direction: Select whether to compute present cash proceeds (PV) from a target maturity balance (FV) or future balance from present proceeds.
  • Loan Principal ($): The contractual amount borrowed before deducted or financed fees. This may be higher than the cash you actually receive.
  • Target Maturity Value ($): Target lump-sum payoff amount at maturity used to back-calculate initial present proceeds.
  • Target Periodic Payment ($): Target periodic payment budget used in reverse solver mode to find maximum principal, interest rate, or term.
  • Target Payoff Term (Months): Target shortened repayment timeline in months used in reverse solver mode to compute required extra payments.
  • Annual Interest Rate (%): Nominal annual interest rate stated by the lender, excluding origination or upfront closing fees.
  • Contractual Loan Term (Months): Total duration of the loan contract in months over which repayments or interest accrual are scheduled.
  • Amortization Horizon (Months): Extended period used to calculate lower regular periodic payments before a balloon lump-sum maturity.
  • Explicit Balloon Amount ($): The unpaid balance due as a lump sum at the end of the contractual term.
  • Payment Frequency: How often scheduled repayments occur. This can differ from how often interest compounds.
  • Compounding Frequency: How often interest is added to the outstanding balance. When this differs from the payment frequency, CalcOS converts the quoted rate to an equivalent payment-period rate.
  • Payment Timing: Specifies whether payments occur at the end of each period (ordinary annuity) or at the beginning of each period (annuity due).
  • Origination Fee Format: Specifies whether the lender origination fee is assessed as a percentage of principal or a fixed dollar amount.
  • Origination Fee Rate / Amount: Fee charged by lender for processing and underwriting the loan. Affects net proceeds or financed balance.
  • Origination Fee Treatment: Determines whether origination fees are deducted from cash proceeds, financed into the loan balance, or paid upfront out-of-pocket.
  • Other Prepaid / Upfront Fees ($): Additional upfront closing costs paid out-of-pocket or deducted from loan proceeds at disbursement.
  • Other Financed Fees ($): Charges added to the financed balance. These fees accrue interest over the loan term.
  • Recurring Monthly Admin Fee ($): Fixed periodic administrative or servicing fee added to each scheduled repayment.
  • Recurring Extra Payment ($): Optional additional principal paid each cycle to accelerate payoff and reduce overall interest expense.
  • Extra Payment Start Period: 1-based payment period number when recurring extra payments begin.
  • One-Time Lump Sum Payment ($): Optional single additional principal prepayment applied at a specific payment period.
  • One-Time Payment Period: The payment period number at which the one-time extra payment is applied.
  • Prepayment Penalty Rule: Lender rule for penalties imposed on principal prepayments.
  • Prepayment Penalty Amount / Rate: Penalty fee amount or percentage charged by lender on principal prepayments.
  • Gross Monthly Income ($): Optional input used only to estimate the share of gross income committed to monthly debt payments. It does not change the loan payment calculation.
  • Existing Monthly Debt Payments ($): Optional total of current recurring debt payments, excluding the new loan unless already included elsewhere.

Loan Payments, APR, Fees & Amortization: Complete Guide

Understand amortization, nominal rates versus APR, financed and prepaid fees, balloon payments, payment frequency, extra payments and reverse loan calculations.

Read Full Guide →

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