justyourcalculatorPersonal Loan Calculator
Your personal loan payment and its true cost after the origination fee.
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Personal Loan Calculator
Payment, total cost and real APR with fees
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How the personal loan calculator works
The monthly payment is the standard installment formula, P × r / (1 - (1 + r)^-n), with r the monthly rate.
Many lenders charge an origination fee of 1% to 10%. Usually it's taken from the money you receive; some lenders add it to the balance instead. Either way you pay more than the stated rate, and the real APR shows by how much.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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