FREE TOOL · ON YOUR DEVICE
Loan and mortgage calculator for free
Type the amount, the annual rate and the term to get the fixed payment, the total interest and the total paid. For example, 100,000 at 5% over 30 years is 360 monthly payments of 536.82. The amortization table breaks down every payment and downloads as CSV.
- Free with an account
- Amortization table
- CSV download
- Type the loan
- Choose the payment frequency
- Check the table
HOW TO USE IT
Three steps.
Type the loan
Amount, nominal annual interest rate and term in years or months. A 0% rate also works.
Choose the payment frequency
Monthly, semi-monthly, quarterly, semi-annual or annual.
Check the table
Payment, total interest and total paid; below, the period-by-period table with a button to download it as CSV.
NEXT STEP
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Loan calculator: common questions
What is a fixed-payment (French) amortization?
It is the most common method for loans and mortgages: every payment is the same. Early payments are mostly interest and later ones mostly principal. The payment is C = P × i ÷ (1 − (1 + i)^−n), with i the rate per period and n the number of payments.
Why is my lender’s payment different?
The lender may add fees, insurance or other products, work out interest another way or round differently. Use the nominal annual rate, not the one that includes fees. It is an estimate, not financial advice.
Why does the last payment differ by a few cents?
Each payment is rounded to the cent and the difference builds up. The last payment settles exactly what is left, so the balance ends at zero.
Is my data sent to a server?
No. The numbers, dates and names you type are calculated in your browser and are not sent to Cocuyo or to any third party.
Is it really free?
Yes. You can try it before signing up; to keep using it, we ask for a free account, with no subscription. It uses no credits and does not count toward your 30 welcome uses: it has no usage cap.
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