Loan Payment Calculator

OneFreePlace • payment, payoff, amortization & extra-payment intelligence

Loan

Loan amount

Interest rate (APR %)

Currency

Years

Extra months

First payment month

Fees & loan proceeds

Origination fee (%)

Other upfront fees

Fee treatment

Extra payments

Extra every month

Extra once per year

Annual extra month

One-time extra

One-time extra after payment #

Extras are applied directly to principal after the scheduled payment. Confirm your lender's prepayment rules.

Private by design: calculations run locally in your browser.

Scheduled monthly payment

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Enter loan details to calculate.

Payoff date—

Total interest—

Total paid to lender—

Cash received—

Fee-adjusted annual cost—

Interest saved: —

Time saved: —

Principal share: —

Balance journey

Accelerated balanceStandard balance

Rate scenarios

Affordability reverse solver

Monthly payment budget

Upfront/down payment

Max loan principal—

Purchase capacity—

Interest over term—

This is mathematical affordability only; it does not include lender eligibility, insurance, taxes or living expenses.

Cost breakdown

Principal financed—

Upfront fees—

Cost above principal—

Standard interest—

Accelerated interest—

Break-even savings—

Amortization schedule

Standard amortization assumes a fixed rate, equal monthly payments, and interest calculated monthly. Actual lender methods and timing can differ.