Calculate monthly loan payments, total interest, and amortization.
Quick presets
Monthly payment
$495.03
Total payment
$29,701.80
Total interest
$4,701.80
Interest as % of loan
18.8%
1. Upload
Select or drag your file onto the upload area.
2. Process
Your file is processed instantly — nothing is stored.
3. Download
Download your result with one click. Done.
Private by default
Client-side tools never upload your files. Server-side tools delete them immediately after processing.
No account needed
Just upload and go. No email, no password, no account — ever.
Works on any device
Fully browser-based. Works on desktop, tablet, and mobile with nothing to install.
For a fixed-rate loan, the formula is M = P × (r(1+r)ⁿ) ÷ ((1+r)ⁿ − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the number of monthly payments. This produces a level payment where the split between principal and interest shifts over time.
Calculate the monthly payment, total interest, and full amortization schedule for any loan — mortgage, car, personal, or business. Switch between fixed-rate and interest-only, set the term in years or months, and download the complete schedule as CSV. Quick presets for common loan types. Free, no signup, runs entirely in your browser.