Kalkulatè
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Rezilta yo mete ajou pandan w ap ekri.
Atik sa a
A loan calculator turns a loan amount, interest rate (APR) and term into a fixed payment and shows how much interest you pay in total. For an amortized loan it uses the standard payment formula — the nominal APR is first converted to a rate per payment period using your chosen compounding frequency, then spread over the number of payments so the balance falls to zero by the end of the term. Use the tabs for the three main loan shapes: an amortized loan paid down in equal instalments, a deferred loan repaid as a single lump at maturity, and a bond-style loan where you solve the price that grows to a set amount due.
For example, a 20,000 personal loan at 7.5% APR over 5 years, paid monthly, comes to a payment of about 401 a month. Across all 60 payments you repay roughly 24,050, so the loan costs you around 4,050 in interest. Shortening the term or dropping the rate lowers that interest; paying weekly instead of monthly, or adding an extra payment each period, clears it faster still.
Use a loan calculator to compare offers on a personal, student or business loan, to work out whether a shorter term is affordable, and to see the real cost of borrowing before you sign — the total interest is often far larger than the headline rate suggests.
Kesyon ki poze souvan
Ki diferans ki genyen ant yon prè amortisé ak yon prè diminye?
Yon kredi amortize se yon kredi ki peye nan peman peryòd egal ki chak kouvri enterè ak kèk kapital, se konsa balans la tonbe a zewo nan fen peryòd la. Yon kredi difere pa fè okenn peman pandan peryòd la — enterè konpoze ak tout kapital ak enterè se yon sèl kantite lajan nan dat maturite.
Ki jan yon prè bon-estil travay isit la?
Yon prè obligasyon (zèro-koupon) travay nan direksyon opoze: ou mete kantite lajan ki dwe a nan dat maturite ak pousantaj la, ak calculateur rezoud pri a ou ta peye jodi a, ki se sa a kantite lajan nan tan kap vini an diskonte tounen nan pousantaj la compounding.
Èske frekans konpoze ak ranbousman an chanje kantite lajan an?
Wi, APR nominal la konvèti nan pousantaj pou chak peryòd peman ki itilize frekans konpoze a, se konsa, si ou peye chak semèn kont chak mwa, oswa si ou fè konpoze chak jou kont chak ane, sa ka chanje tou de peman peryòd la ak enterè total la.
Ki diferans ki genyen ant APR ak pousantaj enterè?
Pousantaj enterè a se pri pou pran lajan an pousantaj enterè a se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an pousantaj la se pri pou pran lajan an.
Kijan pou m peye yon prè pi vit?
Ou ka ajoute yon kantite lajan nan jaden peman ekstra, koutye tèm lan, oswa peye pi souvan. Nenpòt lajan ki depase kantite lajan peman planifye a ap ale dirèkteman nan kapital la, ki pral koupe balans la pi vit epi diminye kantite enterè total ou peye pandan lavi kredi a.
Èske kantite lajan kredi a gen ladan l enterè?
Pa, kantite lajan kredi a se lajan ou pran an. Bonis yo ap peye sou tèm — rezilta "total retounen" la se lajan an ak tout bonis yo, ki se sa ki rete nan pòch ou nan fen a.
API — itilize sa a calculateur soti nan kòd
Apèl sa a calculateur kòm yon gratis JSON pwent-de-fini - pa gen okenn kle ki nesesè. Envoye valè jaden anba a kòm paramèt kesyonè oswa JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Li dokiman API a an antye →
Endpoint
GET https://calculator.free/api/v1/loan/curl
curl "https://calculator.free/api/v1/loan/?amount=20000&maturity_value=25000&rate=7.5&years=5&_mode=amortized"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/loan/?" + new URLSearchParams({
"amount": "20000",
"maturity_value": "25000",
"rate": "7.5",
"years": "5",
"_mode": "amortized"
}));
const data = await r.json();
console.log(data.results);Rezilta yo se estimasyon pou kòmandman jeneral sèlman, pa finansye, medikal oswa konsèy taks.