Overview
Loan Repayment Plan Calculator estimates monthly payment, total interest, and total repayment, then builds a full amortization schedule. It supports both equal payment and equal principal methods for mortgage, auto loan, and personal loan planning.
Key Features
- Supports equal payment and equal principal repayment methods
- Calculates monthly payment, total interest, total repayment, and interest ratio
- Generates period-by-period schedule with principal, interest, and remaining balance
- Provides yearly principal-interest chart for repayment structure analysis
- Exports repayment schedule as CSV for record keeping and plan comparison
How To Use
- Select a loan type and enter amount, loan term, and annual rate.
- Choose repayment method: equal payment or equal principal.
- Review monthly payment, total interest, and total repayment.
- Check paginated schedule details, open chart view, or export CSV when needed.
Repayment Method Notes
- Equal Payment: Monthly repayment stays nearly fixed, with interest heavier in early periods.
- Equal Principal: Principal per period is fixed, monthly payment decreases over time, and total interest is usually lower.
Use Cases
- Estimate mortgage affordability before selecting a property
- Compare auto loan installment options and total borrowing cost
- Plan personal loan cash flow and repayment burden
- Compare offers from multiple lenders with consistent inputs
Notes
- Results are for planning reference. Final numbers depend on lender approval and contract terms.
- Rates, fees, and repayment rules may vary by policy and institution.
- Verify input values before exporting data for decision comparison.
- All calculations run locally in your browser and do not upload your loan data.