Personal Loan Calculator
Estimate your monthly payment, total interest, and full amortization for any personal loan. Adjust the amount, APR, and term to compare scenarios in real time.
Loan details
$15,000.00
Most personal loans range from $1,000 to $50,000.
14.50%
Personal loan APRs typically run 6%–36% based on credit profile.
36 months (3 years)
Most personal loans have 12–84 month terms.
Your estimate
- Estimated monthly payment
- $516.31
- Total interest
- $3,587.33
- Total paid
- $18,587.33
See loan options
Estimate only. Excludes origination fees. Real rates depend on credit, income, and lender.
How to use this calculator
- Enter the amount you plan to borrow.
- Enter the APR your lender quoted, or use a rough estimate based on your credit score.
- Pick a term — shorter terms mean higher payments but much less total interest.
- Review the monthly payment, total interest, and amortization schedule to compare scenarios.
What goes into your real rate
Lenders price personal loans based on your credit profile, debt-to-income ratio, income stability, loan purpose, and term. APR includes the interest rate plus most fees, so it's the most useful number for comparing offers. Read more in our debt consolidation guide and emergency loans for bad credit breakdown.