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Personal Loan Calculator

Personal Loan Calculator

Estimate your monthly payment and total cost — including the origination fee that most personal loans deduct before you ever see the money.

Optional: Extra Monthly Payment

Estimated Monthly Payment
Origination Fee
Cash You Actually Receive

📄 Standard schedule

Payoff in
Total interest paid
Total cost of loan

💪 With your extra payment

New payoff time
Total interest paid
Total cost of loan

You repay interest on the full loan amount even though the origination fee reduces the cash you actually receive up front — that’s what effectively raises the real cost above the stated APR.

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