I-Calculator yeNtlawulo
Umsebenzi wokufumana iindleko kunye nenzuzo epheleleyo kwityala elihlawulwe, eliphelileyo okanye elifana netyala le-bond.
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
Yintoni utshintsho phakathi kwetyala elihlawulwe ngokugqithiseleyo netyala eliphelileyo?
Ityala elihlawulwe libuyiselwa ngeemali-mboleko ezilinganayo ezithe rhoqo nganye igubungela inzala kunye nemali-mboleko, ngoko ke umlinganiselo uphantsi ku zero kwixesha eliphelileyo. Ityala eliphelileyo alihlawuli ngexesha lexesha - inzala idityaniswa kwaye ityala elipheleleyo kunye nemali-mboleko ihlawulwe njengemali epheleleyo epheleleyo ngexesha lokuphelelwa lixesha.
Uncedo olufana ne-bond lusebenza njani apha?
Ityala le-bond (i-zero-coupon) lisebenza ngokuchaseneyo: umisela inani elifunekayo xa ligqityiwe kunye nenani, kwaye i-calculator ilungisa ixabiso oza kulihlawula namhlanje, eli linani elizayo elibuyiselwa umva ngenani elidityanisiweyo.
Ingaba ukudityaniswa kunye nokuphindaphindwa kwemali-mboleko kutshintsha intlawulo?
Ewe. I-APR ebizwa ngokuba yi-APR iguqulwa ibe yi-rate ngaxeshanye lokufumana imali usebenzisa ukuphindaphinda okukhethwayo, ngoko ukuhlawula ngeveki versus ngenyanga, okanye ukuhlawula ngeveki versus ngonyaka, kutshintshela kuhlawulwa rhoqo kunye nenzuzo epheleleyo.
Yintoni utshintsho phakathi kwe-APR nexabiso lenzuzo?
The plain interest rate is the cost of borrowing the principal. APR (annual percentage rate) is meant to fold in certain fees as well, so it is usually the better number for comparing loans. This calculator treats the figure you enter as the annual rate applied to the balance.
Ndingazihlawula njani iiasethi zam ngokukhawuleza?
Ukongeza ixabiso kwindawo yokufumana imali engaphezulu, ukunciphisa ixesha, okanye uhlawule rhoqo. Nayiphi na imali engaphezulu kwemali ecwangcisiweyo ihamba ngqo kwisiseko, esenza ukuba uxinzelelo lube lukhawulezayo kwaye luncinane iindleko ezipheleleyo ozihlawulayo ngexesha lokuphila kwetyala.
Ingaba ixabiso lemali-mboleko liquka inzala?
Hayi. Ubungakanani bemali ekufuneka uyihlawule yimali ephambili oyisebenzisayo. Inzuzo ihlawulwe phezulu kwixesha elidlulileyo — i-"total repaid" yimali ephambili kunye nenzuzo, eyenza ukuba ushiye iphothifoliyo yakho ekugqibeleni.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.