Loan calculators
This page gathers tools for instalments, loan cost, APR estimate, mortgage planning, affordability, LTV, and repayment — so you can quickly pick a calculator for payment sizing, cost comparison, borrowing room, or payoff planning.
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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
Payment and cost
Loan instalment
Monthly annuity payment for a cash-style loan — totals and interest.
Use calculator →Cost of loan
Quick simple-interest cost sketch — lighter than full all-in loan cost.
Use calculator →Total cost of loan
All-in: instalment, interest, and fees outside the payment; offer compare.
Use calculator →APR (simplified)
Simplified annualised cost estimate — not statutory APRC.
Use calculator →Loan margin
Base + margin → rate, payment, and cost; A/B sensitivity compare.
Use calculator →Mortgage and property financing
Mortgage — instalment
Mortgage payment in a housing-cost context, with optional LTV.
Use calculator →LTV (loan to value)
What share of property value the loan finances — from a known loan amount.
Use calculator →Down payment (%)
From down payment and price: cash needed, loan, and resulting LTV.
Use calculator →Affordability
Repayment and payoff
Amortization schedule with extra payments
Full month-by-month table: payment, interest, principal, and balance.
Use calculator →Loan overpayment
Months and interest saved by paying extra into an existing loan.
Use calculator →Loan balance after N instalments
Snapshot: how much principal remains after a set number of payments.
Use calculator →Debt repayment
How long until one balance reaches zero at a fixed monthly payment.
Use calculator →Other finance tools
If you also need other finance tools, go back to the full finance calculators section.