Estimate monthly loan payments, total repayment, and total interest for a standard amortising loan.
Inputs
This topic also has a deeper guide and a printable reference pack, so you can move from the live answer into the method, assumptions, and worked examples without leaving the topic cluster.
These are the main values the calculator uses. Keep the units consistent and, where relevant, match the assumptions explained in the related guide.
Unit: GBP
Enter the amount actually borrowed before repayments begin.
Unit: %
Use the fixed annual borrowing rate assumed across the loan term.
Unit: years
Set the full repayment term for the loan.
Use this page when you want a quick repayment estimate for a standard fixed-rate amortising loan such as a car loan, personal loan, or equipment finance agreement.
The main figure is the estimated monthly payment. Supporting figures show the total repaid over the term and the total interest charged.
For a 10,000 loan at 12% over 12 months, the payment reflects both principal and interest spread across the year.
Changing the rate or term shows how the monthly cost moves even when the amount borrowed stays the same.
This calculator assumes a fixed rate and fixed monthly repayments over the full term. It does not include arrangement fees, insurance, arrears, overpayments, or variable-rate changes.
Yes. Enter a zero rate and the page will split the borrowed amount evenly across the term.
The repayment maths is similar, but the mortgage page also handles deposit, property price, and loan-to-value context.
Estimate a standard repayment mortgage from property price, deposit, rate, and term with clear monthly costs and supporting figures.
Project compounded growth from a starting balance, contribution schedule, rate, and compounding frequency using only the values you enter.
Discount a future amount back to today's terms using the annual rate and time period you enter.
Calculate return on investment from the starting cost and final value you enter, with the result shown as a simple percentage return.