Personal Loan Calculator
7/10/2026
Plan your personal loan payment with confidence
Whether you’re consolidating debt, covering an unexpected expense, or funding a big project, a personal loan gives you predictable, fixed monthly payments. Use our free Personal Loan Calculator to estimate your payment before you apply.
What you’ll learn
- Your estimated monthly payment
- How your loan amount, rate, and term affect your payment
- A payment estimate to help plan your budget
How to use the calculator
- Enter your loan amount. Use the total you’d like to borrow.
- Add your interest rate. Use an estimate if you don’t have a quote yet.
- Choose your loan term. A longer term can lower your monthly payment, while a shorter term may reduce the total interest you pay.
- Review your estimated monthly payment and adjust any field to compare different scenarios.
Tip: Borrow only what you need. A smaller loan amount or shorter repayment term can help reduce the total interest you pay.