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Pro Version

Ultimate Loan Calculator

Prepayments, Fees, Floating Rates & "What-If" Analysis.

Currency

Loan Amount

Interest Rate (%)

Loan Term (Years)

Start Date

Monthly EMI

$0

Total Interest

$0

Total Payment

$0

APR: 0%

Balance Breakdown

Amortization Curve

Amortization Schedule

Date	Payment	Principal	Interest	Extra	Balance

💡 Smart Analysis

How to Use This Calculator

Our Ultimate Loan Calculator allows you to model complex scenarios that standard calculators miss.

1. Adding Prepayments

Click the "Advanced" tab to add extra payments. You can model a recurring monthly extra payment or a yearly bonus payment (applied every December).

2. Factoring in Fees

Origination fees or processing charges increase your APR. Enter them in the "Fees" section to see the "Effective Cost" of your loan.

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Financial Disclaimer

The results provided by this calculator are intended for illustrative purposes only and accuracy is not guaranteed. The figures shown are hypothetical and may not apply to your individual situation. FinanceSmartUSA is not a financial advisor, bank, or tax professional. Please consult with a qualified professional before making any financial decisions.