Calculateur de Loan Payment
Estimate monthly loan payment from principal, APR, and term.
Formula and method
This calculator computes Monthly payment, Total paid directly in your browser without sending data to an external server.
Mathematical formula
- Monthly payment:
(() => { const r=rate ÷ 1200; if (r===0) return principal ÷ months; const pow=1+r^(months); return !Number.isFinite(pow) ? principal × r : principal × r × pow ÷ (pow-1); })() - Total paid:
(() => { const r=rate ÷ 1200; const p = r===0 ? principal ÷ months : (() => { const pow=1+r^(months); return !Number.isFinite(pow) ? principal × r : principal × r × pow ÷ (pow-1); })(); return p × months; })()
Variables and parameters
- Loan amount (principal): default value 25000 $.
- APR (rate): default value 7.5 %.
- Term (months): default value 60 months.
Some formulas are undefined for certain input combinations (such as division by zero or logarithms of non-positive numbers). In those cases the live tool displays an alert instead of NaN.
Embed this tool
Paste this snippet into your own site or blog post to embed a live, working copy of this tool. It links back to the full page on SpecWhale.
Frequently asked questions
What equation and variables does Loan Payment Calculator use?
Loan Payment Calculator evaluates outputs such as <strong>Monthly payment, Total paid</strong> based on inputs including Loan amount, APR, Term. Check the Mathematical Method section for the explicit formula.
How can I compare different financial scenarios using Loan Payment Calculator?
You can click the "Add to Compare" button after computing your scenario to pin it to your temporary side-by-side Compare Workbench, allowing you to evaluate loan, rate, or interest differences.
What happens if I enter invalid or zero values into Loan Payment Calculator?
If an input combination is mathematically undefined (such as division by zero or negative square roots), SpecWhale alerts you gracefully rather than returning invalid NaN outputs.
Are my calculations in Loan Payment Calculator saved or private?
All calculations are 100% private and run locally in your Web browser. Your numbers are never uploaded to any server, but can be saved locally to your device or exported as CSV/JSON.
Is Loan Payment Calculator free to use?
Yes. Loan Payment Calculator is completely free, has no usage limit, and does not require an account, email, or API key.
Does Loan Payment Calculator store or upload my data?
No. Loan Payment Calculator calculates everything locally in your browser. Nothing you type is sent to a server or stored by SpecWhale.
How accurate is Loan Payment Calculator?
Loan Payment Calculator uses a standard formula (see the Method section above for the exact expression). For high-stakes financial, medical, or legal decisions, confirm the result with a professional or an authoritative source before relying on it.
Can I embed Loan Payment Calculator on my own website?
Yes. Use the "Embed this tool" snippet on this page to add a free, working copy of Loan Payment Calculator to your own blog post or page.