Loan Calculators

Existing Loan Calculator

Already partway through a loan? Enter its original terms and how many payments you have made to see your current balance and how much interest is left.

Inputs

Original loan amount

Interest rate

Original term (years)

Payments already made

Estimates only. Change any value to recalculate instantly.

Current balance $186,109 after 60 payments of $1,199.10

Principal paid so far $13,891

Interest paid so far $58,055

Remaining balance $186,109

Interest still to pay $173,622

Original loan, paid vs remaining

Principal paid $14k
Balance remaining $186k

Remaining balance Balance

Because early payments are mostly interest, after 60 payments you have repaid $13,891 of principal and still owe $186,109. Extra payments now go almost entirely to principal.

Remaining amortizationView table

Year	Principal	Interest	Balance
1	$3,313	$11,076	$182,796
2	$3,517	$10,872	$179,279
3	$3,734	$10,655	$175,545
4	$3,964	$10,425	$171,580
5	$4,209	$10,180	$167,371
6	$4,468	$9,921	$162,903
7	$4,744	$9,645	$158,159
8	$5,037	$9,353	$153,122
9	$5,347	$9,042	$147,775
10	$5,677	$8,712	$142,098
11	$6,027	$8,362	$136,070
12	$6,399	$7,990	$129,671
13	$6,794	$7,595	$122,878
14	$7,213	$7,176	$115,665
15	$7,658	$6,732	$108,007
16	$8,130	$6,259	$99,877
17	$8,631	$5,758	$91,246
18	$9,164	$5,225	$82,082
19	$9,729	$4,660	$72,353
20	$10,329	$4,060	$62,024
21	$10,966	$3,423	$51,058
22	$11,642	$2,747	$39,416
23	$12,361	$2,029	$27,055
24	$13,123	$1,266	$13,932
25	$13,932	$457	$0

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.