Loan / Installment Calculator
Work out the monthly payment, total interest and total cost for home, car or personal loans.
Monthly payment
฿6,600
Total interest
฿583,894
Total payment
฿1,583,894
Estimate using a fixed amortized rate. Actual figures depend on your lender's terms and rate type.
About this tool
Before committing to a mortgage, a car loan or a personal loan, the single most important thing to know is how much you will pay each month. This loan calculator gives you a clear financial picture before you sign anything. Just enter the loan amount, the annual interest rate and the repayment period, and it instantly works out your monthly payment along with the total interest and the full amount you will repay over the life of the loan.
Many people focus only on the monthly figure and forget how much interest piles up over the whole term. This tool makes it easy to compare scenarios. Try adjusting the numbers to see:
- A bigger down payment that lowers the loan amount and lightens your monthly payment
- A shorter term, say 20 years instead of 30, and how much total interest you save
- A small change in interest rate and how much it shifts the total you repay
It suits anyone planning their first home loan, financing a new car, or simply wanting to budget carefully. Running a few scenarios before you talk to the bank means you can negotiate with confidence and pick the terms that genuinely fit your situation.
The calculator is free, needs no signup, and runs entirely in your browser, so the numbers you enter never leave your device. If you are planning a car purchase, it is also worth reading up on class 1 car insurance so you can budget your true monthly cost more completely.
How to use
- 1Enter the loan amount you need, such as the price of a home or car after your down payment
- 2Add the annual interest rate offered by your bank or lender
- 3Choose the repayment period in years or months
- 4Instantly see your monthly payment, total interest and the full amount you will repay
Frequently asked questions
- Is this calculator free?
- It is completely free with no signup and no login. Open it in your browser and use it right away on phone or desktop.
- Can it handle both home and car loans?
- Yes. It works for any loan with equal monthly payments, including home loans, car loans and personal loans.
- Is the result as accurate as the bank?
- The payment formula is the same standard lenders use, though the real figure can vary slightly due to fees or specific terms, so treat it as a close estimate.
- Does a shorter term really save interest?
- It can save a lot. Try reducing the number of years and watch the total interest drop — your monthly payment rises, but you pay far less interest over the life of the loan.
- Is my data stored anywhere?
- All calculations happen in your browser and the numbers you enter are never sent anywhere, so everything stays private and secure.