Auto & Personal Loan Calculator

Estimate monthly payments, interest rates, and loan terms for auto, personal, or consumer loans.

Loan Details

Loan Amount

Interest Rate

Loan Term

Extra Monthly Payment (Accelerate payoff)

Required Monthly Payment

$0.00

Standard total payment over 60 months

Payoff & Savings Analysis

Standard Interest

$0.00

Actual Interest Paid

$0.00

Total Interest Saved

$0.00

Months Saved

0 months

With an extra $100.00/month, you will pay off the loan in 49 months (4.1 years) instead of 60 months. You save $764.22 in total interest!

Payment Schedule & Amortization [Click to Expand]

Month	Beginning Balance	Base Payment	Extra Payment	Interest Paid	Principal Paid	Remaining Balance
Month 1	$25,000	$481	$100	$121	$460	$24,540
Month 2	$24,540	$481	$100	$119	$462	$24,077
Month 3	$24,077	$481	$100	$116	$465	$23,613
Month 4	$23,613	$481	$100	$114	$467	$23,146
Month 5	$23,146	$481	$100	$112	$469	$22,677
Month 6	$22,677	$481	$100	$110	$471	$22,205
Month 7	$22,205	$481	$100	$107	$474	$21,732
Month 8	$21,732	$481	$100	$105	$476	$21,256
Month 9	$21,256	$481	$100	$103	$478	$20,778
Month 10	$20,778	$481	$100	$100	$481	$20,297
Month 11	$20,297	$481	$100	$98	$483	$19,814
Month 12	$19,814	$481	$100	$96	$485	$19,329
Month 13	$19,329	$481	$100	$93	$488	$18,841
Month 14	$18,841	$481	$100	$91	$490	$18,351
Month 15	$18,351	$481	$100	$89	$492	$17,859
Month 16	$17,859	$481	$100	$86	$495	$17,364
Month 17	$17,364	$481	$100	$84	$497	$16,867
Month 18	$16,867	$481	$100	$82	$499	$16,368
Month 19	$16,368	$481	$100	$79	$502	$15,866
Month 20	$15,866	$481	$100	$77	$504	$15,362
Month 21	$15,362	$481	$100	$74	$507	$14,855
Month 22	$14,855	$481	$100	$72	$509	$14,346
Month 23	$14,346	$481	$100	$69	$512	$13,834
Month 24	$13,834	$481	$100	$67	$514	$13,320
Month 25	$13,320	$481	$100	$64	$517	$12,803
Month 26	$12,803	$481	$100	$62	$519	$12,284
Month 27	$12,284	$481	$100	$59	$522	$11,762
Month 28	$11,762	$481	$100	$57	$524	$11,238
Month 29	$11,238	$481	$100	$54	$527	$10,712
Month 30	$10,712	$481	$100	$52	$529	$10,182
Month 31	$10,182	$481	$100	$49	$532	$9,651
Month 32	$9,651	$481	$100	$47	$534	$9,116
Month 33	$9,116	$481	$100	$44	$537	$8,579
Month 34	$8,579	$481	$100	$41	$540	$8,040
Month 35	$8,040	$481	$100	$39	$542	$7,498
Month 36	$7,498	$481	$100	$36	$545	$6,953
Month 37	$6,953	$481	$100	$34	$547	$6,406
Month 38	$6,406	$481	$100	$31	$550	$5,856
Month 39	$5,856	$481	$100	$28	$553	$5,303
Month 40	$5,303	$481	$100	$26	$555	$4,747
Month 41	$4,747	$481	$100	$23	$558	$4,189
Month 42	$4,189	$481	$100	$20	$561	$3,629
Month 43	$3,629	$481	$100	$18	$563	$3,065
Month 44	$3,065	$481	$100	$15	$566	$2,499
Month 45	$2,499	$481	$100	$12	$569	$1,930
Month 46	$1,930	$481	$100	$9	$572	$1,358
Month 47	$1,358	$481	$100	$7	$574	$784
Month 48	$784	$481	$100	$4	$577	$207
Month 49	$207	$208	$0	$1	$207	$0

How to Use the Loan Calculator & Plan Amortization

Whether financing a vehicle purchase or taking out a personal loan, understanding the total cost of borrowing is essential. Your interest rate and loan term dictate how much of your monthly payment goes toward principal versus interest. Shortening your loan term or making extra payments will save you money.

Use this tool to calculate your payments and see how extra payments reduce your timeline. If you are looking to purchase a home, check your monthly housing budget with our Mortgage Calculator. If you want to see how investing that extra payment might grow, check our Investment Growth Calculator.

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Payment Schedule & Amortization [Click to Expand]

How to Use the Loan Calculator & Plan Amortization