I-Calculator ye-Loan
Umsebenzi wokufaka imali kanye nenzuzo ephelele ku-amortized, i-deferred noma i-bond-style loan.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Yini ushintsho phakathi kwezimali ezikhokhwe ngokugcwele nezimali ezikhokhwe ngesikhathi?
Imali-mboleko ekhokhwa ngokugcwele ibuyiselwa ngemali-mboleko elinganayo ekhokhwa njalo, ngayinye ihlanganisa inkokhelo kanye nengxenye yezimali eziyinhloko, ngakho-ke i-balance iwela ku-zero ngokuphela kwesikhathi. Imali-mboleko ekhokhwa ngokuzenzakalela ayikhokhi imali-mboleko ngesikhathi sokusebenza - inkokhelo ihlanganisa inkokhelo kanye nengxenye yezimali eziyinhloko kanye nengxenye yezimali eziyinhloko zidinga ukukhokhwa njengenani elifanayo esikhathi sokuphelelwa isikhathi.
Usebenza kanjani umholo ofanayo ne-bond?
I-bond (zero-coupon) loan isebenza ngokuya emuva: uhlela inani elidingekayo ngesikhathi sokuphelelwa yisikhathi kanye nenani, futhi i-calculator ixazulula intengo ongayikhokha namhlanje, eyisibalo sesikhathi esizayo esibuyiselwe emuva ngenani lokuhlanganisela.
Ingabe ukuxubha nokukhokha emuva kushintsha ukukhokha?
Yebo. I-APR ebizwa ngokuthi iguqulwe ibe yisilinganiso ngasikhathi sinye sokubuyiselwa imali ngokusebenzisa ukusakazwa kokuhlanganisa okukhethiwe, ngakho ukukhokha ngeviki versus ngenyanga, noma ukukhokha ngesonto versus ngonyaka, kushintsha ukukhokha okuqhubekayo kanye nenzuzo ephelele.
Yini ushintsho phakathi kwe-APR nezinga lenzuzo?
Izinga lenzuzo elicacile liyimali yokukhokha izimali eziyinhloko. APR (izinga lephesenti leminyaka) libhekiswe ekubekeni izindleko ezithile, ngakho-ke livame ukuba nenani elingcono lokuqhathaniswa kwezimali. Le kalkuli ibheka isithombe okungena kuso njengezinga leminyaka elisetshenziswa ekulinganiseni.
Ngingayikhokha kanjani imali mboleko ngokushesha?
Engeza inani ezindaweni zokukhokha okungaphezulu, cindezela isikhathi, noma khokhisa kaningi. Noma yikuphi imali engaphezulu kwemali ekhokhwa ihamba ngqo esigcini, esinquma isibalo ngokushesha futhi ikhuphula inani eliphelele lenzuzo okhokhela ngalo kuphila kwezimali.
Ingabe inani lemali ekhokhwayo lifaka izimali?
Akuna. Ubukhulu bemali yokudlulisa yimali eyinhloko oyisebenzisayo. Imali ekhokhelwa ikhokhwa phezulu ngaphezu kwesikhathi — i-"total repaid" ithola imali eyinhloko kanye nemali ekhokhelwayo yonke, okuwukuthi, okushiya iphoyinti lakho ekugcineni.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.