Basic loan info
Used only for labeling; calculations are generic fixed-rate.
If there’s an origination fee, we’ll finance it automatically (see dropdown).
Enter the stated annual percentage rate.
Typical: Personal 2–7, Auto 3–7, Student 5–20.
Snapshot
Monthly payment
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Estimated payoff time
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Financed amount (incl. fees)
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Total interest (life of loan)
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Effective APR
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Origination fee cost
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Inputs auto-save to this device.
Extra payments (optional) ▾
Added to each monthly payment; shortens payoff and reduces interest.
Applied at first payment in this simplified model.
Fees & currency ▾
Financed into the loan by default for effective APR calculation.
Display-only; does not change math.
Affordability & DTI (optional) ▾
Auto-imports from Income & Taxes. Or enter manually.
Back-end DTI guardrail typically ≤ 36% total debt.
= Target% × Net − Other debts.
Amortization & comparison ▾
Amortization (first 12 months)
| Month | Payment | Principal | Interest | Balance |
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