Personal Loan APR Calculator

Calculate the true cost of your personal loan with our personal loan APR calculator. Easily compare interest rates, fees, and total repayment to make informed borrowing decisions.

Loan APR Calculator

Loan Amount ($)
Loan Terms (Years)
Interest Rate (%)
Financing Fees (added to loan)
Prepaid Financing Fees ($)

Personal Loan Annual Percentage Rate Calculator

APR
6.5000%
Total Financial Charges:
$12,403.69
Total Financing Fees:
$0.00
Financed Amount:
$120,000.00
Loan Amount:
$120,000.00
Monthly Payment:
$3,677.88
Total # Of Payments:
36
Start Date:
Dec, 2025
Payoff Date:
Nov, 2028
Total Interest Paid:
$12,403.69
Total Payment:
$132,403.69

Personal Loan Amortization Schedule

Payment Date
Payment #
Interest Paid
Principal Paid
Total Payment
Remaining Balance
Dec, 2025
1
$650.00
$3.00
$3,677.88
$116.00
Jan, 2026
2
$633.60
$3.00
$3,677.88
$113.00
Feb, 2026
3
$617.11
$3.00
$3,677.88
$110.00
Mar, 2026
4
$600.53
$3.00
$3,677.88
$107.00
Apr, 2026
5
$583.86
$3.00
$3,677.88
$104.00
May, 2026
6
$567.10
$3.00
$3,677.88
$101.00
Jun, 2026
7
$550.25
$3.00
$3,677.88
$98.00
Jul, 2026
8
$533.31
$3.00
$3,677.88
$95.00
Aug, 2026
9
$516.28
$3.00
$3,677.88
$92.00
Sep, 2026
10
$499.15
$3.00
$3,677.88
$88.00
Oct, 2026
11
$481.93
$3.00
$3,677.88
$85.00
Nov, 2026
12
$464.62
$3.00
$3,677.88
$82.00
Dec, 2026
13
$447.22
$3.00
$3,677.88
$79.00
Jan, 2027
14
$429.72
$3.00
$3,677.88
$76.00
Feb, 2027
15
$412.12
$3.00
$3,677.88
$72.00
Mar, 2027
16
$394.43
$3.00
$3,677.88
$69.00
Apr, 2027
17
$376.65
$3.00
$3,677.88
$66.00
May, 2027
18
$358.77
$3.00
$3,677.88
$62.00
Jun, 2027
19
$340.79
$3.00
$3,677.88
$59.00
Jul, 2027
20
$322.71
$3.00
$3,677.88
$56.00
Aug, 2027
21
$304.54
$3.00
$3,677.88
$52.00
Sep, 2027
22
$286.27
$3.00
$3,677.88
$49.00
Oct, 2027
23
$267.90
$3.00
$3,677.88
$46.00
Nov, 2027
24
$249.42
$3.00
$3,677.88
$42.00
Dec, 2027
25
$230.85
$3.00
$3,677.88
$39.00
Jan, 2028
26
$212.18
$3.00
$3,677.88
$35.00
Feb, 2028
27
$193.41
$3.00
$3,677.88
$32.00
Mar, 2028
28
$174.54
$3.00
$3,677.88
$28.00
Apr, 2028
29
$155.56
$3.00
$3,677.88
$25.00
May, 2028
30
$136.48
$3.00
$3,677.88
$21.00
Jun, 2028
31
$117.30
$3.00
$3,677.88
$18.00
Jul, 2028
32
$98.01
$3.00
$3,677.88
$14.00
Aug, 2028
33
$78.62
$3.00
$3,677.88
$10.00
Sep, 2028
34
$59.12
$3.00
$3,677.88
$7.00
Oct, 2028
35
$39.52
$3.00
$3,677.88
$3.00
Nov, 2028
36
$19.81
$3.00
$3,677.88
$0.00