How to use the personal loan calculator
- Loan amount: Amount borrowed.
- Annual rate (%): Nominal annual interest rate.
- Term (months): Number of monthly payments.
- Upfront fees: Origination or other fees paid in addition to principal.
- Select the button and review the result.
Worked example
Compare payment and total cost, including entered fees.
Method and limitations
Fixed-rate amortization formula.
Does not calculate APR from cash-flow timing or include late fees and optional products.
Common questions
Why might another result be different?
Inputs, rounding, policies, rates, and assumptions can differ. Compare like-for-like values and use current official information when a rate or rule can change.
Does NidXee save my entries?
No. The calculation runs in your browser. Reloading or closing the page may clear it.