Loan Calculator

Calculate loan payments, monthly installments, interest rates, amortization, and total repayment costs with this online loan calculator.
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Rp
Typical rates: 6–15% p.a. (KTA), 3–7% p.a. (KPR)
One-time fee at disbursement
Interest decreases as principal reduces. Standard for bank loans.
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Overview

The Loan Calculator helps estimate monthly loan installments, total repayment cost, interest charges, financing fees, and loan amortization schedules. It is useful for personal loans, business financing, equipment purchases, vehicle loans, and other borrowing scenarios where understanding repayment obligations and financing costs is important before committing to a loan agreement.

Common Use Cases

How to Use

1
Enter the loan amount or principal value.
2
Input the interest value and select whether it is provided as a percentage or fixed amount.
3
Enter any additional financing fee and select whether the fee is fixed or percentage-based.
4
Set the loan term in months.
5
Review the calculated monthly installment amount.
6
Compare amortized monthly payments against flat interest calculations if applicable.
7
Review total interest charges, financing fees, total repayment amount, and amortization schedule.

Example Scenario

Small Business Equipment Financing

A business owner borrows funds to purchase equipment and uses the calculator to estimate monthly installments, total interest cost, financing fees, and overall repayment obligations over the selected loan term.

Technical Notes

Monthly payments are calculated using an amortization formula where each installment contains both principal repayment and interest charges.

Interest charges decrease over time as the outstanding loan balance is gradually reduced through repayments.

Financing fees can be entered as either a fixed amount or a percentage of the principal value.

The calculator also provides a flat interest comparison to illustrate differences between simple flat-rate calculations and amortized repayment methods.

The repayment schedule shows how each payment is divided between principal reduction and interest expense over the loan term.

Total borrowing cost includes both accumulated interest charges and financing fees.

Common Mistakes

Frequently Asked Questions

An amortized payment combines principal repayment and interest charges into a fixed installment amount over the loan term.

Interest is calculated using the remaining balance, which is highest at the beginning of the loan term.

Flat interest is calculated on the original principal throughout the loan term, while amortized interest decreases as the outstanding balance is repaid.

Yes. Fees can significantly increase the true cost of borrowing and should always be included in loan comparisons.

Yes. It can be used for personal financing, business loans, equipment purchases, vehicle financing, and other installment-based borrowing scenarios.

Related Topics

Loan amortizationMonthly installment calculationInterest rate comparisonFinancing feesDebt repayment planningPersonal loansBusiness financingEquipment financingVehicle loansBorrowing costsEffective interest rateAmortization schedule