Personal Loan Calculator
Estimate a personal loan payment, total interest, and the net amount after an origination fee.
Estimates for education only — not financial advice. The origination fee is shown separately; net disbursed is what you receive after it is deducted.
How it works
- 1Enter the loan amount, rate, and term in months.
- 2Add the origination fee percentage if any.
- 3See the monthly payment and what you actually receive.
Use cases
- Compare personal loan offers including their fees.
- See the true cost of a loan beyond the interest rate.
- Work out the net amount you receive after fees.
Frequently asked questions
How is the origination fee handled?
It is shown separately and deducted from the amount you receive. You still repay the full loan amount, so the fee raises your effective cost.
Does this compute APR?
No — it reports the fee and total cost (interest + fee) directly. True APR additionally annualizes the fee; this tool keeps the figures transparent instead.
Is my data stored?
No. Everything runs in your browser.
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