Free Loan Calculator for Repayments, Amortisation & Prepayment Analysis
Calculate loan repayments, amortisation schedules, setup costs, interest sensitivity, prepayment savings and asset-financing metrics in one clear dashboard.
Main Dashboard: Review key loan metrics, repayment amounts, total interest and loan balance over time.
Loan Calculator Features
Loan repayment calculator
Calculate periodic repayments based on loan amount, interest rate, term and payment frequency.
Amortisation schedule
View repayment-by-repayment movements in principal, interest, prepayments and closing loan balance.
Interest rate sensitivity
See how repayments and total interest change if the annual interest rate increases or decreases.
Prepayment impact analysis
Assess how additional repayments can reduce interest cost, shorten the loan term or reduce future repayments.
Loan setup expenses
Include arrangement fees, legal fees, valuation costs, brokerage fees and other setup costs.
Asset financing metrics
Compare the loan against the financed asset using LTV, yield, DSCR, ICR, equity value and simple return metrics.
CSV / PDF export
Export outputs for review, planning or discussion with advisors and stakeholders.
Free to access
No login or paywall required, the calculator is free to use in your browser.
Explore the Loan Calculator Dashboard
How the Loan Calculator Works
Enter loan details
Add the loan amount, annual interest rate, repayment frequency, term and optional setup expenses.
Review repayment and amortisation outputs
See periodic repayments, total interest, annual debt service and the full amortisation schedule.
Analyse sensitivities, prepayments and asset financing
Test interest rate scenarios, assess prepayment impact and compare the loan against asset-financing metrics.
Why Use Loan Calculator Pro?
Understand repayment affordability
Estimate total interest cost
Review annual principal and interest split
Compare interest rate scenarios
Assess prepayment savings
Include loan setup costs
Analyse loan-to-value and asset financing metrics
Export results for planning or discussion
Calculate Loan Repayments and Total Interest
The loan repayment calculator estimates the periodic repayment needed to repay a loan over a chosen term, together with annual debt service, total repayments and total interest. By adjusting the loan amount, annual interest rate, payment frequency and term, you can quickly compare repayment profiles and understand how much of each payment goes towards interest versus principal. This makes it easier to assess affordability before committing to a borrowing decision.
View a Full Loan Amortisation Schedule
The amortisation calculator produces a period-by-period schedule showing the opening balance, repayment, interest charged, principal repaid, any prepayments, total cash payment and closing balance for every period. A loan amortisation schedule helps you see exactly how the outstanding balance declines over time, how interest is front-loaded in early periods and how prepayments accelerate the reduction in principal.
Analyse Interest Rate Sensitivity
The interest rate sensitivity calculator automatically generates scenarios around your base rate, showing how periodic repayments, annual debt service, total interest and total repayments change if the annual interest rate moves up or down. This helps you stress-test affordability against future rate changes and compare fixed versus variable borrowing options with confidence.
Assess the Impact of Loan Prepayments
The prepayment calculator shows how extra repayments can reduce total interest, shorten the loan term or lower future repayment amounts. By modelling one-off or recurring prepayments, you can see the revised maturity date, the interest saved and the change in total cash paid, making it easier to decide whether overpayments are worthwhile for your situation.
Include Loan Setup Costs
The loan setup costs calculator lets you include arrangement fees, legal fees, valuation fees, brokerage fees and other financing-related expenses. Setup costs can be paid upfront or added to the loan balance, helping you estimate the effective financing cost and compare loans on a like-for-like basis rather than headline rate alone.
Review Asset Financing Metrics
The asset financing calculator compares the loan against the asset being financed using metrics such as asset value, loan-to-value (LTV), gross yield, net yield, debt service coverage ratio (DSCR), interest coverage ratio (ICR), net cash flow, equity value at exit and simple return metrics. This supports more informed decisions when financing property, equipment or other income-producing assets.
Frequently Asked Questions
Related Articles
Explore Projectify articles on loan repayments, amortisation schedules, prepayments and financing analysis.
What Is a Loan Amortisation Schedule and How Does It Work?
A loan amortisation schedule is a detailed table showing how a loan is repaid over time, including the opening balance, total repayment, interest charged, principal repaid, prepayments and closing balance for every period.
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Loan Prepayment Calculator: Estimate Interest Savings
Making an additional payment towards a loan can reduce the outstanding principal and potentially generate meaningful interest savings. A prepayment calculator compares the original loan with the revised repayment scenario before a payment is made.
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Business Loan Repayment Calculator
Taking out a business loan can help fund expansion, equipment purchases, acquisitions or working capital. But the amount borrowed is only one part of the financing decision, the repayment schedule and total cost matter too.
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Why a Loan Calculator Should Go Beyond the Monthly Repayment
When assessing a loan, many people focus on one number: the monthly repayment. That number matters, but it is only part of the story. A good loan decision also considers total cost, setup fees, rate sensitivity, prepayment impact and asset-level returns.
Read article →Ready to Calculate Your Loan?
Use Loan Calculator Pro to estimate repayments, review your amortisation schedule and understand the impact of interest rates, prepayments and asset financing assumptions.
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