OneAppOnline

Free online tool

Loan Calculator

Turn an amount, APR, and term into a transparent payment schedule you can inspect.

Loan estimate stays local

Use Loan Calculator

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What this tool does

Estimate loan payments, interest, total cost, payoff date, and amortization.

Method

The calculator applies fixed-payment amortization, separates optional fees from interest, and recalculates the schedule when extra payments are added.

Example

Estimate a 48-month $18,000 loan at 8.2% APR with a $50 extra monthly payment.

Inputs and outputs

You provideYou receive
  • Loan amount
  • APR
  • Term
  • Start date
  • Optional fees
  • Extra payment
  • Monthly payment
  • Total cost
  • Interest
  • APR and fee disclosure
  • Payoff date
  • Schedule

Privacy and data use

Loan estimate stays local. Amounts and assumptions remain on the device unless explicitly saved later.

Read the full privacy policy.

Related tools

Mortgage Calculator Compound Interest Calculator Percentage Calculator

Common questions

Is it free?

Yes. The core tool and its standard result or export are free to use.

Do I need an account?

No for the core utility. An account or private management token is requested only for capabilities that must persist, such as editable dynamic QR links.

Can I trust the result?

The method and assumptions are visible above. Time-sensitive tools name their sources and freshness; important financial, safety, legal, or operational decisions should be verified with the primary authority.