Personal Loan Calculator
Enter what you want to borrow, the APR you've been offered and how long you'd take to repay it. FetchCalc shows the monthly payment, the interest you'd hand over, the date you'd be free of it — and what changes if you overpay.
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Your loan details
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See what overpaying really buys you
What this loan costs
Monthly payment
$391.34
- Total interest
- $3,784.02
- Total repayment
- $18,784.02
- Payoff date
- Oct 2030
- Interest share
- 20.1%
of everything you repay
Amortization schedule
48 payments · final payment Oct 2030
| Year | Paid | Interest | Principal | Balance |
|---|---|---|---|---|
| 2026 | $782.68 | $285.13 | $497.55 | $14,502.45 |
| 2027 | $4,696.08 | $1,502.96 | $3,193.12 | $11,309.33 |
| 2028 | $4,696.08 | $1,115.76 | $3,580.32 | $7,729.01 |
| 2029 | $4,696.08 | $681.59 | $4,014.49 | $3,714.52 |
| 2030 | $3,913.10 | $198.58 | $3,714.52 | $0.00 |
Ask Fetch
Ask about your numbers
Fetch explains your results in plain English. Every number comes from re-running the calculator above, so the figures are exact — never generated.
How to read your personal loan results
Monthly payment is the fixed amount you owe each month. It never changes on a fixed-rate loan, but what it's made of does: it starts interest-heavy and becomes principal-heavy.
Total interest is the real price of the loan. Two offers with the same payment can differ by thousands here, which is why this number deserves more attention than the payment does.
Payoff date is when the last payment lands, assuming you never miss and never overpay. Add an extra amount and watch it move forward.
The amortization schedule is the receipt. Each row shows how one payment split between interest and principal, and what you still owed afterwards.
Borrowing this to pay off credit cards? The debt consolidation calculator compares the total cost of your current balances against this loan, with the origination fee counted in.
Frequently asked questions
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FetchCalc is an independent calculator and educational service. We are not a lender, broker, or financial adviser, and nothing here is financial advice. Estimates are for planning only; your actual offer and payment will come from your lender.