$
%
Monthly Payment
$0.00
<div class="summary-grid">
<div class="summary-card">
<div class="s-label">Total Payment</div>
<div class="s-value" id="r-total">$0</div>
<div class="s-sub">principal + interest</div>
</div>
<div class="summary-card">
<div class="s-label">Total Interest</div>
<div class="s-value" id="r-interest">$0</div>
<div class="s-sub" id="r-interest-pct">0% of loan</div>
</div>
<div class="summary-card">
<div class="s-label">Payoff Date</div>
<div class="s-value" id="r-payoff" style="font-size:16px;margin-top:4px;">—</div>
<div class="s-sub" id="r-payoff-sub"></div>
</div>
</div>
<!-- Pie Chart -->
<div class="chart-section">
<div class="pie-wrap">
<div class="pie-chart" id="pie-chart"></div>
<div class="pie-center" id="pie-center"></div>
</div>
<div class="pie-legend">
<div class="legend-item">
<div class="legend-dot principal"></div>
<div class="legend-text">
<div class="lt">Principal</div>
<div class="lv" id="legend-principal">$0</div>
</div>
</div>
<div class="legend-item">
<div class="legend-dot interest"></div>
<div class="legend-text">
<div class="lt">Total Interest</div>
<div class="lv" id="legend-interest">$0</div>
</div>
</div>
</div>
</div>
<!-- Timeline Bar -->
<div class="timeline-section">
<div class="timeline-title" id="timeline-title">Payoff Progress</div>
<div class="timeline-bar-wrap">
<div class="timeline-bar-fill" id="timeline-bar" style="width:0%"></div>
</div>
<div class="timeline-labels">
<span>Today</span>
<span id="timeline-mid"></span>
<span id="timeline-end">Payoff</span>
</div>
</div>
<!-- Amortization Table -->
<div class="amort-section">
<h3>Amortization Schedule</h3>
<div class="table-wrap">
<table class="amort-table">
<thead>
<tr>
<th>Month</th>
<th>Payment</th>
<th>Principal</th>
<th>Interest</th>
<th>Balance</th>
</tr>
</thead>
<tbody id="amort-body"></tbody>
</table>
</div>
<button class="amort-toggle-btn" id="amort-toggle" onclick="toggleAmort()">Show Full Schedule</button>
</div>
See how extra payments reduce your total interest and payoff time.
$
%
yrs
Extra Payments
$
$
Original Monthly
$0
New Monthly
$0
<div class="extra-impact">
<div class="impact-box">
<div class="ib-label">Time Saved</div>
<div class="ib-value" id="e-time-saved">0 months</div>
</div>
<div class="impact-box">
<div class="ib-label">Interest Saved</div>
<div class="ib-value" id="e-interest-saved">$0</div>
</div>
<div class="impact-box">
<div class="ib-label">Original Total Interest</div>
<div class="ib-value" id="e-orig-interest">$0</div>
</div>
<div class="impact-box">
<div class="ib-label">New Total Interest</div>
<div class="ib-value" id="e-new-interest">$0</div>
</div>
</div>
Enter two loan options to compare total cost, monthly payment, and interest side by side.
Loan A
$
%
yrs
<!-- Loan B -->
<div class="compare-card">
<h3>Loan B</h3>
<div class="input-group" style="margin-bottom:12px">
<label>Loan Amount</label>
<div class="input-row">
<span class="input-prefix">$</span>
<input type="number" id="cb-amount" value="20000" min="0" step="100">
</div>
</div>
<div class="input-group" style="margin-bottom:12px">
<label>Annual Interest Rate</label>
<div class="input-row">
<input type="number" id="cb-rate" value="8.0" min="0" step="0.01">
<span class="input-suffix">%</span>
</div>
</div>
<div class="input-group" style="margin-bottom:12px">
<label>Loan Term (years)</label>
<div class="input-row">
<input type="number" id="cb-term" value="5" min="1" step="1">
<span class="input-suffix">yrs</span>
</div>
</div>
<div class="compare-result" id="cb-result" style="display:none">
<div class="cr-label">Monthly Payment</div>
<div class="cr-value" id="cb-monthly">$0</div>
<div class="cr-sub" id="cb-sub"></div>
</div>
</div>
| Metric | Loan A | Loan B |
|---|
How to Use This Loan Calculator
- Enter your loan details — input the loan amount, annual interest rate, and term in years or months.
- Click Calculate — your monthly payment appears instantly, along with total interest and payoff date.
- Review the amortization schedule — see exactly how each payment splits between principal and interest month by month.
- Try extra payments — switch to the Extra Payments tab and enter an additional monthly or one-time payment to see how much time and money you save.
- Compare two loans — use the Compare Loans tab to evaluate different rate or term options side by side before signing.
Tips for Paying Off Loans Faster
- Add even a small extra monthly payment. An extra $50–$100/month on a 5-year loan can shave months off your payoff and save hundreds in interest.
- Make one extra payment per year. Apply a tax refund, bonus, or side income directly to your principal — this alone can cut a 30-year mortgage by several years.
- Choose the shortest term you can comfortably afford. A 3-year auto loan costs far less in total interest than a 6-year loan, even at the same rate.
- Refinance when rates drop. If your credit improves or market rates fall, refinancing at a lower rate reduces both your monthly payment and lifetime interest.
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