Loan payment calculator
Enter the amount, the term, the rate and the insurance to see your monthly payment and the total cost of the loan.
Indicative fixed-rate estimate. It does not replace a loan offer and does not calculate the official APR.
How is a loan payment calculated?
For a fixed-rate loan, the monthly payment (excluding insurance) is based on the amount borrowed, the interest rate and the term. Enter the amount, the term and the rate: the tool shows the payment, the insurance, the total interest cost and the total cost of the loan.
Term, rate, insurance: what drives the cost
A longer term lowers the payment but raises the interest cost. Borrower insurance can be a large share of the total: compare offers.
Before you borrow
Lenders look at the ratio between your loan payments and your income, and at the term. Rules and limits vary by country and lender, so check the rules that apply when you apply.
Frequently asked questions
How is the monthly payment calculated?
With the formula for a fixed-rate loan with constant payments, plus insurance proportional to the amount borrowed.
Is this an APR?
No, it is an indicative estimate. The APR also includes arrangement and guarantee fees.
What does a 200,000 loan over 20 years at 3.5% cost?
The payment excluding insurance is about 1,160 per month. Change the fields to see your case.
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