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Personal Finance Calculator

Loans, savings goals, and side-hustle profit — instant, free, no login.

Loan inputs
Enter the amount, rate, and term. Or set your own monthly payment.
%
yrs

Leave blank to use the standard repayment

Monthly payment
£310.65
Total interest
£3,638.87
Total paid back
£18,638.87
Cost of borrowing
24.3%
Principal vs. interest
Insight
Moderate interest cost — compare shorter terms

Over 60 months you'll pay back £18,638.87 (including £3,638.87 in interest).

Balance over time
Amortization schedule
Every payment split into interest, principal, and remaining balance.

Total interest

£3,638.87

Total principal

£15,000.00

Estimated payoff

Sep 2031

60 payments

Remaining balance £15,000.00£0.00 · month 60
#PaymentInterestPrincipalBalance
1£310.65£111.25£199.40£14,800.60
2£310.65£109.77£200.88£14,599.73
3£310.65£108.28£202.37£14,397.36
4£310.65£106.78£203.87£14,193.49
5£310.65£105.27£205.38£13,988.11
6£310.65£103.75£206.90£13,781.21
7£310.65£102.21£208.44£13,572.77
8£310.65£100.66£209.98£13,362.79
9£310.65£99.11£211.54£13,151.25
10£310.65£97.54£213.11£12,938.14
11£310.65£95.96£214.69£12,723.45
12£310.65£94.37£216.28£12,507.17
13£310.65£92.76£217.89£12,289.28
14£310.65£91.15£219.50£12,069.78
15£310.65£89.52£221.13£11,848.65
16£310.65£87.88£222.77£11,625.88
17£310.65£86.23£224.42£11,401.46
18£310.65£84.56£226.09£11,175.37
19£310.65£82.88£227.76£10,947.60
20£310.65£81.19£229.45£10,718.15
21£310.65£79.49£231.15£10,487.00
22£310.65£77.78£232.87£10,254.13
23£310.65£76.05£234.60£10,019.53
24£310.65£74.31£236.34£9,783.19
Showing first 24 of 60.
How this calculator works
Work out the true cost of borrowing, how long it takes to reach a savings goal, and what your side hustle really pays per hour. All numbers update live as you type.