Personal loan calculator.
Understand a personal loan payment and the cash received after a withheld fee.
Personal loan inputs
Fixed-rate monthly reducing balance. Origination fee is withheld from proceeds; interest accrues on the full principal. This is not an APR calculation. Final payment may be smaller.
View detailed breakdown
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $332.14 | $232.14 | $100.00 | $9,767.86 |
| 2 | $332.14 | $234.46 | $97.68 | $9,533.39 |
| 3 | $332.14 | $236.81 | $95.33 | $9,296.58 |
| 4 | $332.14 | $239.18 | $92.97 | $9,057.41 |
| 5 | $332.14 | $241.57 | $90.57 | $8,815.84 |
| 6 | $332.14 | $243.98 | $88.16 | $8,571.85 |
| 7 | $332.14 | $246.42 | $85.72 | $8,325.43 |
| 8 | $332.14 | $248.89 | $83.25 | $8,076.54 |
| 9 | $332.14 | $251.38 | $80.77 | $7,825.16 |
| 10 | $332.14 | $253.89 | $78.25 | $7,571.27 |
| 11 | $332.14 | $256.43 | $75.71 | $7,314.84 |
| 12 | $332.14 | $258.99 | $73.15 | $7,055.84 |
| 13 | $332.14 | $261.58 | $70.56 | $6,794.26 |
| 14 | $332.14 | $264.20 | $67.94 | $6,530.06 |
| 15 | $332.14 | $266.84 | $65.30 | $6,263.22 |
| 16 | $332.14 | $269.51 | $62.63 | $5,993.71 |
| 17 | $332.14 | $272.21 | $59.94 | $5,721.50 |
| 18 | $332.14 | $274.93 | $57.21 | $5,446.57 |
| 19 | $332.14 | $277.68 | $54.47 | $5,168.89 |
| 20 | $332.14 | $280.45 | $51.69 | $4,888.44 |
| 21 | $332.14 | $283.26 | $48.88 | $4,605.18 |
| 22 | $332.14 | $286.09 | $46.05 | $4,319.09 |
| 23 | $332.14 | $288.95 | $43.19 | $4,030.14 |
| 24 | $332.14 | $291.84 | $40.30 | $3,738.30 |
| 25 | $332.14 | $294.76 | $37.38 | $3,443.54 |
| 26 | $332.14 | $297.71 | $34.44 | $3,145.83 |
| 27 | $332.14 | $300.68 | $31.46 | $2,845.14 |
| 28 | $332.14 | $303.69 | $28.45 | $2,541.45 |
| 29 | $332.14 | $306.73 | $25.41 | $2,234.72 |
| 30 | $332.14 | $309.80 | $22.35 | $1,924.93 |
| 31 | $332.14 | $312.89 | $19.25 | $1,612.03 |
| 32 | $332.14 | $316.02 | $16.12 | $1,296.01 |
| 33 | $332.14 | $319.18 | $12.96 | $976.83 |
| 34 | $332.14 | $322.37 | $9.77 | $654.45 |
| 35 | $332.14 | $325.60 | $6.54 | $328.85 |
| 36 | $332.14 | $328.85 | $3.29 | $0.00 |
How this personal loan calculator works
Some lenders deduct an origination fee from loan proceeds while charging interest on the full loan amount. This tool separates the amount borrowed, net proceeds, monthly payments and the combined interest-plus-fee cost.
A worked example
A 10,000 loan with a 500 withheld origination fee gives you 9,500 in cash. Payments still amortize the full 10,000, so the fee affects the effective cost.
What if my lender adds the fee to the balance?
This page assumes a withheld fee. If a fee is financed instead, use the full financed amount in the general loan calculator. Confirm which treatment appears on your loan agreement.
References and further reading
Calculations run on your device. Review your results before exporting or sharing them.