Kako izračunati Simple Loan
Kaj je Simple Loan?
A simple loan calculator computes monthly payments and total interest for a standard installment loan (mortgage, auto loan, personal loan). It uses the standard amortization formula where equal monthly payments cover both principal and interest.
Navodila po korakih
- 1Monthly payment = P × r(1+r)^n / ((1+r)^n − 1)
- 2Each payment covers that month's interest first, then reduces principal
- 3Total cost = Monthly payment × number of payments
- 4Total interest = Total cost − Original principal
Worked Examples
Vnos
$15,000 personal loan, 9% APR, 48 months
Rezultat
$373/month, $2,916 interest
Total cost: $17,916
Vnos
$250,000 mortgage, 6.5%, 30 years
Rezultat
$1,580/month, $318,753 interest
Pay 2.3× the loan amount
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