Loan Calculator
Use this free loan calculator to estimate payments, total interest, and schedules for common loan types: amortized (monthly payments), deferred lump-sum loans, and zero-coupon style bonds.
A loan is money you borrow and repay with interest. Choose a scenario below and adjust the inputs.
- Amortized Loan: Fixed periodic payments (principal + interest).
- Deferred Payment: No payments until maturity; pay accrued amount at the end.
- Bond (Zero-coupon style): Pay a fixed face value at maturity; calculator finds present value.
Modify values and click Calculate.
Amortized Loan (Periodic Fixed Payments)
Loan Amount
Loan Term
years
months
Interest Rate
%
Compound
Pay Back
Deferred Payment (Lump Sum at Maturity)
Loan Amount
Loan Term
years
months
Interest Rate
%
Compound
Bond (Present Value of Face Value at Maturity)
Computes the present value today for a specified face value due at maturity (zero-coupon style).
Face Value
Bond Term
years
months
Interest Rate
%
Compound
Plan Borrowing with Confidence
Understand payments, interest cost, and how balances evolve over time. Adjust the compounding and payback frequency to reflect your lender’s terms for the most accurate estimates.