Finance · loan and mortgageLoan and mortgage calculator

Work out the monthly payment, the total interest and the full schedule for a loan or a mortgage — equal or declining payments, with early repayment taken into account. Everything is computed in your browser.

Amounts and rates never reach a server

01Calculation02Schedule03About04Questions05Related
01

Calculation

recalculated on every keystroke
Parameters · loan
Term
60 payments
Payment type

This is a reference calculation, not a bank offer and not financial advice. The real terms, the annual percentage rate, insurance and fees are set by the contract with your bank.

Result · equal payments
Monthly payment81,160.08 ₽the same for the whole term · 60 payments
Principal 61.6 %3,000,000 ₽
Interest 38.4 %1,869,605 ₽
Paid in total4,869,605 ₽
Loan amount3,000,000 ₽
Last payment

The summary goes to the clipboard. We do not build links with amounts — loan parameters have no business in browser history.

02

Payment schedule

60 payments · 5 years
No.
Date
Payment
Interest
Principal
Balance
1
81,160.08 ₽
52,500.00 ₽
28,660.08 ₽
2,971,339.92 ₽
2
81,160.08 ₽
51,998.45 ₽
29,161.63 ₽
2,942,178.29 ₽
3
81,160.08 ₽
51,488.12 ₽
29,671.96 ₽
2,912,506.33 ₽
4
81,160.08 ₽
50,968.86 ₽
30,191.22 ₽
2,882,315.11 ₽
5
81,160.08 ₽
50,440.51 ₽
30,719.56 ₽
2,851,595.55 ₽
6
81,160.08 ₽
49,902.92 ₽
31,257.16 ₽
2,820,338.39 ₽
7
81,160.08 ₽
49,355.92 ₽
31,804.16 ₽
2,788,534.23 ₽
8
81,160.08 ₽
48,799.35 ₽
32,360.73 ₽
2,756,173.50 ₽
9
81,160.08 ₽
48,233.04 ₽
32,927.04 ₽
2,723,246.46 ₽
10
81,160.08 ₽
47,656.81 ₽
33,503.27 ₽
2,689,743.19 ₽
11
81,160.08 ₽
47,070.51 ₽
34,089.57 ₽
2,655,653.62 ₽
12
81,160.08 ₽
46,473.94 ₽
34,686.14 ₽
2,620,967.48 ₽
Total
4,869,604.77 ₽
1,869,604.77 ₽
3,000,000.00 ₽
0.00 ₽

A payment of 81,160 ₽ per month, 1,869,605 ₽ of interest — that is 38.4 % of everything paid.

Paid in total 4,869,605 ₽ · last payment —

dates appear once the page has loaded

03

About loans and mortgages

The monthly payment on a loan depends on the amount, the term, the rate and the way the debt is repaid. With equal payments the amount never changes; with a declining schedule it starts higher and falls every month. Extra payments cut the total interest noticeably, especially when they go towards shortening the term: the interest for the skipped months is never charged at all.

Equal and declining payments

Payment type
equal / declining
With an equal (annuity) payment the amount never changes: early on most of it covers interest, later most of it repays the principal. With a declining schedule the principal is repaid in equal parts, so the first payment is the largest and every next one is smaller. Equal payments suit a budget, declining ones cost less overall.

Amortisation schedule

Month by month
principal / interest
Every payment splits into interest and principal. Interest is charged on the outstanding balance, so it dominates at the start and almost disappears near the end. The schedule shows both parts and the balance after each payment, and it can be folded by calendar year.

Total interest

Bottom line
total − amount
The overpayment is everything above the borrowed amount that goes to interest over the term. Next to it stands the share of interest in all payments: that share answers «how much extra will this cost me» more honestly than an absolute figure. A shorter term shrinks both.

Early repayment

Savings
term or payment
An extra payment reduces the outstanding balance, and from there two routes are possible. Shortening the term saves more: the payment stays as it was and the interest for the skipped months is never charged. Reducing the payment frees the budget at once but saves less. The mode is chosen per payment.

Down payment

Mortgage
price − down payment
For a mortgage the loan amount is the property price minus the down payment. The share of the down payment is shown as a percentage next to the field: banks tie their rate to it, and sometimes the approval itself. Everything else is calculated exactly as for a consumer loan.

Not a bank offer

Disclaimer
APR is in the contract
The calculation covers the principal and the interest at the rate you entered. Insurance, origination and servicing fees are not included, so the annual percentage rate in the contract will be higher. Treat these numbers as a reference for your own decision rather than as an offer.
04

Frequently asked questions

Enter the amount, the term and the rate — the payment, the total interest and the schedule appear immediately, with no «calculate» button to press. For a mortgage switch to that tab and enter the property price and the down payment: the loan amount is derived from them. The payment type and the date of the first instalment are set right there.

Updated

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