Monthly Loan Payment Calculator

Calculate the monthly payment of an amortized loan with the standard formula.

Formula

M = P × r × (1+r)^n / ((1+r)^n − 1) — r: monthly rate, n: number of months

Examples

InputResult
$20,000, 6.5%, 5 yrs$391.32 /mo
$300,000, 5%, 30 yrs$1,610.46 /mo
$10,000, 0%, 2 yrs$416.67 /mo

Frequently Asked Questions

How is a monthly loan payment calculated?

Using the standard amortization formula with the monthly interest rate and total number of payments.

Does this include taxes and insurance?

No. This shows principal and interest only; add taxes, insurance and fees separately.

What happens at 0% interest?

The payment is simply the loan amount divided by the number of months.

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