Lainalaskuri
Enter principal, annual interest rate and term to see the fixed monthly payment. The same annuity formula is used in every language version of this page.
Tämä sivu kääntää englanninkielisen alkuperäisen. Laskentamoottori on sama.
Pikavastaus
It solves the standard amortising-loan payment: how much you pay each month if rate and term stay fixed, then shows total interest over the term.
Esimerkki: A principal of 10,000 at 7.49% APR over 5 years is about 200 per month in principal and interest only (exact figure depends on rounding).
Laskenta noudattaa tällä sivulla kuvattua kaavaa; pyöristys ja yksiköt voivat muuttaa viimeistä numeroa. Käsittele tulos opetusarvioina.
* Arvio. Todelliset summat voivat poiketa oletuksista.
Mitä tämä laskuri tekee
It solves the standard amortising-loan payment: how much you pay each month if rate and term stay fixed, then shows total interest over the term.
Kenelle se on
People comparing a personal loan, car finance or a simple mortgage quote who want the maths before they talk to a lender.
Miten laskenta toimii
The monthly rate is the annual rate divided by 12. The payment uses the annuity formula so early instalments are mostly interest and later ones are mostly principal.
Kaava
M = P × r(1+r)^n / ((1+r)^n − 1), where r is the monthly rate and n is the number of months.
Oletukset
- Interest is compounded monthly and the rate does not change.
- Payments are equal and made at the end of each month.
- Fees, insurance, tax and overpayments are not included unless you fold them into the principal.
Rajoitukset
- This is not a lender decision or a credit-score model.
- Introductory or variable rates need a different schedule.
- Currency formatting follows your inputs; the engine does not apply local lending law.
Näin käytät työkalua
- 1Enter the amount you want to borrow.
- 2Enter the annual interest rate from your quote.
- 3Enter the term in years or months, then read the monthly payment and total interest.
UKK
- Does this include arrangement fees?
- No. Add fees to the principal if you want them in the monthly figure, or treat them separately.
- Can I use it for a mortgage?
- You can estimate principal-and-interest. Taxes, insurance and lender stress tests are not included.
- Is the formula the same in every language?
- Yes. Only the surrounding explanation is translated. The calculation engine is identical.