How it works
This standard amortisation model assumes a fixed annual nominal interest rate, monthly repayment and no fees, early repayments or rate changes. It is not a lender quote.
Estimate fixed monthly repayments, total interest and your balance over the life of a loan.
Loading calculator...
Enter your numbers to see a result.
With loan amount 200,000, annual interest rate (%) 5, loan term (years) 25, the estimated monthly payment is $1,169.18.
| Loan amount | 200,000 |
|---|---|
| Annual interest rate (%) | 5 |
| Loan term (years) | 25 |
| Estimated monthly payment | $1,169.18 |
|---|---|
| Total repaid | $350,754.02 |
| Total interest | $150,754.02 |
| Number of payments | 300 |
Amounts are shown in US dollars for illustration. Choose your own currency in the calculator above; it labels amounts and does not convert them.
This standard amortisation model assumes a fixed annual nominal interest rate, monthly repayment and no fees, early repayments or rate changes. It is not a lender quote.
Try changing one input at a time. The live result helps you see which assumption has the greatest effect.
Use Save scenario A, change an input, and compare both results side-by-side. You can also share your settings using a link.
Monthly payment = P × r ÷ (1 − (1 + r)^−n), with r = annual rate/1200. This standard amortisation model assumes a fixed annual nominal interest rate, monthly repayment and no fees, early repayments or rate changes. It is not a lender quote.
With loan amount 200,000, annual interest rate (%) 5, loan term (years) 25, the estimated monthly payment is $1,169.18. Total repaid: $350,754.02; Total interest: $150,754.02; Number of payments: 300.
This is an estimate based on the inputs and assumptions shown on this page, not professional advice. Check anything with financial, health or safety consequences independently.
Yes. Calculations run in your browser and your numbers are not sent to a server. A share link contains the inputs you choose to share, so check it before sending it to anyone.
Yes. Pick from 33 currencies and the amounts are labelled to match. The selector does not convert between currencies, so enter prices in your own currency.