What is amortization?

Amortization is the process of spreading loan repayments over time. Early payments are mostly interest; later payments are mostly principal. An amortization schedule shows this exact split for every payment in the loan term.

Does the calculator include fees, insurance, or taxes?

No. The calculator computes purely the principal and interest payment. Your actual monthly payment may be higher if your lender requires escrow for property taxes, insurance (PMI, homeowners), or origination fees.

What is the effect of making extra principal payments?

Extra principal payments reduce the outstanding balance faster, which reduces the total interest paid and shortens the loan term. Even small additional monthly payments can save thousands in interest on a long-term mortgage.

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Name: Hitelkalkulátor
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Author: DailyDevTools

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What is Loan Calculator?

A loan calculator helps you understand the true cost of borrowing by computing your monthly payment, total interest paid, and total repayment amount from the loan principal, annual interest rate, and term. DailyDevTools' Loan Calculator uses the standard amortization formula and also generates a full amortization schedule showing how each payment splits between principal and interest over the loan term.

How to use Loan Calculator

1Enter the loan amount (principal), annual interest rate, and loan term in months or years
2Your monthly payment is calculated instantly using the standard amortization formula
3Review the summary: total amount paid and total interest paid over the full term
4Expand the Amortization Schedule to see a month-by-month breakdown of each payment

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