I-Calculator yeNtlawulo yoMfundi
Ubalo lwemali ehlawulwe ngenyanga kunye nenzuzo epheleleyo kwityala lomfundi.
Iinketho ze projekti
Malunga nale Calculator
A student loan calculator works out the fixed monthly repayment and total interest on a student loan from the balance, interest rate and repayment term. The standard repayment plan is a 10-year amortising schedule; a longer term lowers each payment but adds a lot of interest over the life of the loan.
It applies the usual amortisation formula, splitting each payment between interest on the remaining balance and principal. For example, a 30,000 balance at 5.5% over 10 years costs about 326 a month, with roughly 9,100 of total interest. An optional extra monthly payment goes straight to principal, shortening the term and cutting that interest.
Use it to plan repayments after graduation, to compare the standard 10-year plan with a longer term, or to see how much interest an extra payment saves. It models a single fixed-rate loan; income-driven plans, forgiveness programs and variable rates work differently and are not captured here.
Imibuzo ebuza rhoqo
Ityala lokufunda licalwa njani?
Isebenzisa ifomula eqhelekileyo yokunciphisa iindleko kwimali ekhoyo, umyinge kunye nexesha, enika unikezelo olufanayo ngenyanga nganye. Imali ekhoyo eyi-30,000 kwi-5.5% kwiminyaka emi-10 imalunga ne-326 ngenyanga.
Ngaba ndimele ndiyilungise ixesha lokuhlawula ukuze ndikhuphe iindleko?
Extending to 20 or 25 years reduces the monthly payment but can nearly double the interest you pay. If cash flow allows, a shorter term or extra payments save the most money.
Ndingazihlawula njani iiasethi zam zesidanga ngokukhawuleza?
Ukongeza ixabiso elingaphezulu kwimali-mboleko nganye okanye wenze iindleko ezipheleleyo kwimali-mboleko ephambili - icandelo lemali-mboleko engaphezulu libonisa iinyanga neendleko ezigcinwe. Ukumisela ityala eliphezulu kuqala, okanye ukubuyisela imali kwimali-mboleko ephantsi, kukhawulezisa ukuhlawula.
Ngaba kufuneka ndiphinde ndihlawule iiasethi zam zokufunda?
Ukubuyiselwa kwemali kwinqanaba eliphantsi linciphisa inzala kwaye likhawulezisa ixesha, eli sixhobo sibonisa ngokunyusa inqanaba. Kodwa ukubuyiselwa kwemali kwimali yelizwe ekwimali yelizwe ekwimali yelizwe ekwimali yelizwe ekwimali yelizwe ekwimali yelizwe ekwimali yelizwe ekwimali yelizwe
Ityala lemali yokufunda licalwa njani?
Iimali-mboleko ezininzi zabafundi zifumana inzala ngosuku kwimali ekhoyo kwaye ihlawulwe ngenyanga. Le khadi lisebenzisa ukuhlawula ngenyanga okuqhelekileyo, ngoko ke iindleko eziphambili ziyintlawulo yenzuzo kwaye ezilandelayo ziyintlawulo yexabiso eliphambili.
Yintoni utshintsho phakathi kweemali ezixhaswayo nezo zingaxhaswayo?
Kwimali-mboleko exhaswa yimali-mboleko, iGosa lihlawula inzala xa uhlala ekolweni kunye nexesha lokungahlawuli, ukuze i-balance ingakhula. Imali-mboleko engaxhaswanga yimali-mboleko ifumana inzala ixesha lonke, enokuthi isebenzise i-balance njengemali-mboleko – faka i-balance ebonisa nayiphi na inzala efunyenwe.
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/student-loan/curl
curl "https://calculator.free/api/v1/student-loan/?balance=30000&rate=5.5&years=10"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/student-loan/?" + new URLSearchParams({
"balance": "30000",
"rate": "5.5",
"years": "10"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.