About This Tool
What is Loan Repayment Calculator?
A tool that calculates loan repayment schedules for both equal payment (amortized) and equal principal methods. Enter loan amount, interest rate, and term to see monthly payments, total repayment, and total interest.
How to Use
- Enter the loan amount.
- Enter the annual interest rate (%).
- Enter the repayment period (months).
- Select repayment type (equal payment/equal principal) and calculate.
Key Features
- Equal payment / equal principal repayment methods
- Monthly repayment schedule display
- Total payment and total interest calculation
- Monthly principal/interest ratio breakdown
Tips
- Equal payment maintains the same monthly amount, making budgeting easier.
- Equal principal has higher initial payments but less total interest, better long-term.
- A 1% interest rate difference over 30 years can mean tens of thousands in total interest difference.
Loan Repayment Calculator
Calculate loan repayment schedule with equal payment or equal principal
Frequently Asked Questions
Rata costante vs capitale costante?▼
Rata: stessa mensilità. Capitale: stesso capitale + interessi calanti. Capitale = meno interessi totali.
Calcolo rata?▼
Formula annuità: M = P × [r(1+r)^n] / [(1+r)^n - 1].
Durata?▼
Breve = più rata, meno interessi. Lunga = meno rata, molto più interessi.
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