Loan calculators
This page gathers tools for payments, loan cost, APR, mortgage, affordability, LTV, and payoff. So you can pick a card for a monthly payment, a cost compare, borrowing room, or a way out of debt.
This page does not compute a payment. Payment lives on loan instalment, APR on APR, DTI on DTI. Back to the full Finance section.
Which calculator should I choose?
- Want to estimate the monthly payment → Loan instalment or Mortgage instalment
- Want to compare total cost or fees → Total cost of loan or Cost of loan
- Want a simplified annual cost estimate → APR estimate
- Want to assess budget pressure or borrowing room → DTI ratio or Creditworthiness
- Want to check LTV or down payment → LTV or Down payment
- Want to analyse repayment over time → Repayment schedule, Loan overpayment, Remaining balance, or Debt repayment
Formula
This page does not calculate. From the list you pick payment, cost, APR, or DTI.
How to use
- Want a monthly payment: open loan instalment. 50000 at 12% for 5 years gives 1112.22.
- Want total cost or fees: total cost of loan or cost of loan, not APR.
- Want a simplified annual cost: open APR. 10000, a 1200 cost, and 12 months gives 12.00%.
- Want budget pressure: open DTI. 1200 on 6000 is 20%.
- This page has no fields. You pick a card from the list above.
Payment 1112.22, APR 12.00%, DTI 20%
You pick a card from the list. Payment, APR, and DTI have their own pages and their own numbers. This page does not calculate.
- payment
- On loan instalment: 50000 at 12% for 5 years gives 1112.22. Here only a pick from the list.
- APR
- On the APR card: 10000, a 1200 cost, and 12 months gives 12.00%. A sketch, not an offer.
- DTI
- On the DTI card: 1200 on 6000 is 20%. A ratio, not a bank decision.
Common questions
Which card for a monthly payment?
Loan instalment or mortgage instalment. 50000 at 12% for 5 years on loan instalment gives 1112.22.
Where do I see APR 12.00%?
On the APR card. 10000, a 1200 cost, and 12 months gives 12.00%. A sketch, not a statutory APR.
What does DTI 20% mean?
On the DTI card, 1200 on 6000 is 20%. A burden ratio, not a bank decision.
Does this page compute payment 1112.22?
No. This is a list. Loan instalment computes it.
How is payment different from cost?
Payment is the monthly annuity. Cost cards stack repayments and fees. APR is its own card.
Is APR on the list a statutory APR from an offer?
No. On the APR card, 12.00% is an estimate from cost over amount.
Is DTI a bank decision?
No. 20% from 1200 on 6000 lives on the DTI card. A bank counts another way.
Where do I go back to full finance?
The link above the list and the one at the bottom open the Finance section.
Knowledge sources
This page does not compute a payment. Below are loan terms, not a bank offer.
Page updated in 2026.
Payment and cost
Loan instalment
Loan payment calculator: the amount, the yearly rate, and the years.
Use calculator →Cost of loan
Cost of Loan calculator: the loan amount, the annual interest rate, and the term in months.
Use calculator →Total cost of loan
Total cost of loan calculator: the amount, the rate, the years, and the fees that sit outside the payment.
Use calculator →APR (simplified)
APR calculator: the loan amount, the total known borrowing cost, and the term in months.
Use calculator →Loan margin
Loan margin calculator: the loan amount, the reference rate, the margin, and the term in years.
Use calculator →Mortgage and property financing
Mortgage — instalment
Mortgage calculator: the mortgage, the yearly rate, and the repayment years.
Use calculator →LTV (loan to value)
LTV calculator: the loan amount and the property value.
Use calculator →Down payment (%)
Down payment (%) calculator: the property value and the down payment in percent.
Use calculator →Affordability
Repayment and payoff
Amortization schedule with extra payments
Amortization calculator: the loan principal, the annual interest rate, and the loan term in years.
Use calculator →Loan overpayment
Loan overpayment calculator: remaining principal, the annual interest rate, and the remaining term in years.
Use calculator →Loan balance after N instalments
Loan balance after N instalments calculator: the loan amount and either the rate, full term, and payments made N, or only the sum….
Use calculator →Debt repayment
Debt repayment calculator: the current debt, the monthly payment, and pick No interest or With interest.
Use calculator →Other finance tools
If you also need other finance tools, go back to the full finance calculators section.