Loan Calculator

Calculate loan payments, total interest, and amortization schedules. Perfect for mortgages, auto loans, and personal loans.

← Back to Tools

Loan Calculator

Calculate loan payments, total interest, and amortization schedules. Perfect for mortgages, auto loans, and personal loans.

🏦 Loan Details

Home Price / Loan Amount

₽

Down Payment

₽

20.0% of home price

Interest Rate

Loan Term

Quick Presets

Monthly Payment

123 026 ₽

Total Interest

28 289 417 ₽

Total Cost

48 289 417 ₽

Loan-to-Value

80.0%

📋 Loan Breakdown

Home Price / Loan Amount:
20 000 000 ₽

Down Payment:
4 000 000 ₽ (20.0%)

Loan Amount:
16 000 000 ₽

Total of Payments:
44 289 417 ₽

Total Interest Paid:
28 289 417 ₽

Payoff Date:
7/22/2055

📊 Payment Breakdown

Principal Portion

36.1%

16 000 000 ₽

Interest Portion

63.9%

28 289 417 ₽

📅 Amortization Schedule

Payment #	Principal	Interest	Balance
1	9 692,82 ₽	113 333,33 ₽	15 990 307 ₽
2	9 761,48 ₽	113 264,68 ₽	15 980 546 ₽
3	9 830,63 ₽	113 195,53 ₽	15 970 715 ₽
4	9 900,26 ₽	113 125,90 ₽	15 960 815 ₽
5	9 970,39 ₽	113 055,77 ₽	15 950 844 ₽
6	10 041,01 ₽	112 985,15 ₽	15 940 803 ₽
7	10 112,13 ₽	112 914,02 ₽	15 930 691 ₽
8	10 183,76 ₽	112 842,40 ₽	15 920 508 ₽
9	10 255,90 ₽	112 770,26 ₽	15 910 252 ₽
10	10 328,54 ₽	112 697,62 ₽	15 899 923 ₽
11	10 401,70 ₽	112 624,46 ₽	15 889 521 ₽
12	10 475,38 ₽	112 550,78 ₽	15 879 046 ₽
13	10 549,58 ₽	112 476,58 ₽	15 868 496 ₽
14	10 624,31 ₽	112 401,85 ₽	15 857 872 ₽
15	10 699,56 ₽	112 326,59 ₽	15 847 173 ₽
16	10 775,35 ₽	112 250,81 ₽	15 836 397 ₽
17	10 851,68 ₽	112 174,48 ₽	15 825 546 ₽
18	10 928,54 ₽	112 097,61 ₽	15 814 617 ₽
19	11 005,95 ₽	112 020,20 ₽	15 803 611 ₽
20	11 083,91 ₽	111 942,24 ₽	15 792 527 ₽
21	11 162,42 ₽	111 863,73 ₽	15 781 365 ₽
22	11 241,49 ₽	111 784,67 ₽	15 770 123 ₽
23	11 321,12 ₽	111 705,04 ₽	15 758 802 ₽
24	11 401,31 ₽	111 624,85 ₽	15 747 401 ₽
25	11 482,07 ₽	111 544,09 ₽	15 735 919 ₽
26	11 563,40 ₽	111 462,76 ₽	15 724 355 ₽
27	11 645,31 ₽	111 380,85 ₽	15 712 710 ₽
28	11 727,79 ₽	111 298,36 ₽	15 700 982 ₽
29	11 810,87 ₽	111 215,29 ₽	15 689 171 ₽
30	11 894,53 ₽	111 131,63 ₽	15 677 277 ₽
31	11 978,78 ₽	111 047,38 ₽	15 665 298 ₽
32	12 063,63 ₽	110 962,53 ₽	15 653 234 ₽
33	12 149,08 ₽	110 877,08 ₽	15 641 085 ₽
34	12 235,14 ₽	110 791,02 ₽	15 628 850 ₽
35	12 321,80 ₽	110 704,36 ₽	15 616 528 ₽
36	12 409,08 ₽	110 617,08 ₽	15 604 119 ₽
37	12 496,98 ₽	110 529,18 ₽	15 591 622 ₽
38	12 585,50 ₽	110 440,66 ₽	15 579 037 ₽
39	12 674,65 ₽	110 351,51 ₽	15 566 362 ₽
40	12 764,43 ₽	110 261,73 ₽	15 553 598 ₽
41	12 854,84 ₽	110 171,32 ₽	15 540 743 ₽
42	12 945,90 ₽	110 080,26 ₽	15 527 797 ₽
43	13 037,60 ₽	109 988,56 ₽	15 514 759 ₽
44	13 129,94 ₽	109 896,21 ₽	15 501 629 ₽
45	13 222,95 ₽	109 803,21 ₽	15 488 407 ₽
46	13 316,61 ₽	109 709,55 ₽	15 475 090 ₽
47	13 410,94 ₽	109 615,22 ₽	15 461 679 ₽
48	13 505,93 ₽	109 520,23 ₽	15 448 173 ₽
49	13 601,60 ₽	109 424,56 ₽	15 434 571 ₽
50	13 697,94 ₽	109 328,21 ₽	15 420 873 ₽
51	13 794,97 ₽	109 231,19 ₽	15 407 079 ₽
52	13 892,68 ₽	109 133,47 ₽	15 393 186 ₽
53	13 991,09 ₽	109 035,07 ₽	15 379 195 ₽
54	14 090,19 ₽	108 935,96 ₽	15 365 105 ₽
55	14 190,00 ₽	108 836,16 ₽	15 350 915 ₽
56	14 290,51 ₽	108 735,64 ₽	15 336 624 ₽
57	14 391,74 ₽	108 634,42 ₽	15 322 232 ₽
58	14 493,68 ₽	108 532,48 ₽	15 307 739 ₽
59	14 596,34 ₽	108 429,82 ₽	15 293 142 ₽
60	14 699,73 ₽	108 326,42 ₽	15 278 443 ₽
61	14 803,86 ₽	108 222,30 ₽	15 263 639 ₽
62	14 908,72 ₽	108 117,44 ₽	15 248 730 ₽
63	15 014,32 ₽	108 011,84 ₽	15 233 716 ₽
64	15 120,67 ₽	107 905,49 ₽	15 218 595 ₽
65	15 227,78 ₽	107 798,38 ₽	15 203 367 ₽
66	15 335,64 ₽	107 690,52 ₽	15 188 032 ₽
67	15 444,27 ₽	107 581,89 ₽	15 172 587 ₽
68	15 553,66 ₽	107 472,49 ₽	15 157 034 ₽
69	15 663,84 ₽	107 362,32 ₽	15 141 370 ₽
70	15 774,79 ₽	107 251,37 ₽	15 125 595 ₽
71	15 886,53 ₽	107 139,63 ₽	15 109 708 ₽
72	15 999,06 ₽	107 027,10 ₽	15 093 709 ₽
73	16 112,38 ₽	106 913,78 ₽	15 077 597 ₽
74	16 226,51 ₽	106 799,65 ₽	15 061 371 ₽
75	16 341,45 ₽	106 684,71 ₽	15 045 029 ₽
76	16 457,20 ₽	106 568,96 ₽	15 028 572 ₽
77	16 573,77 ₽	106 452,38 ₽	15 011 998 ₽
78	16 691,17 ₽	106 334,99 ₽	14 995 307 ₽
79	16 809,40 ₽	106 216,76 ₽	14 978 498 ₽
80	16 928,47 ₽	106 097,69 ₽	14 961 569 ₽
81	17 048,38 ₽	105 977,78 ₽	14 944 521 ₽
82	17 169,14 ₽	105 857,02 ₽	14 927 352 ₽
83	17 290,75 ₽	105 735,41 ₽	14 910 061 ₽
84	17 413,23 ₽	105 612,93 ₽	14 892 648 ₽
85	17 536,57 ₽	105 489,59 ₽	14 875 111 ₽
86	17 660,79 ₽	105 365,37 ₽	14 857 450 ₽
87	17 785,88 ₽	105 240,27 ₽	14 839 664 ₽
88	17 911,87 ₽	105 114,29 ₽	14 821 752 ₽
89	18 038,74 ₽	104 987,41 ₽	14 803 714 ₽
90	18 166,52 ₽	104 859,64 ₽	14 785 547 ₽
91	18 295,20 ₽	104 730,96 ₽	14 767 252 ₽
92	18 424,79 ₽	104 601,37 ₽	14 748 827 ₽
93	18 555,30 ₽	104 470,86 ₽	14 730 272 ₽
94	18 686,73 ₽	104 339,43 ₽	14 711 585 ₽
95	18 819,10 ₽	104 207,06 ₽	14 692 766 ₽
96	18 952,40 ₽	104 073,76 ₽	14 673 814 ₽
97	19 086,64 ₽	103 939,51 ₽	14 654 727 ₽
98	19 221,84 ₽	103 804,32 ₽	14 635 505 ₽
99	19 358,00 ₽	103 668,16 ₽	14 616 147 ₽
100	19 495,11 ₽	103 531,04 ₽	14 596 652 ₽
101	19 633,20 ₽	103 392,95 ₽	14 577 019 ₽
102	19 772,27 ₽	103 253,88 ₽	14 557 247 ₽
103	19 912,33 ₽	103 113,83 ₽	14 537 334 ₽
104	20 053,37 ₽	102 972,78 ₽	14 517 281 ₽
105	20 195,42 ₽	102 830,74 ₽	14 497 086 ₽
106	20 338,47 ₽	102 687,69 ₽	14 476 747 ₽
107	20 482,53 ₽	102 543,62 ₽	14 456 265 ₽
108	20 627,62 ₽	102 398,54 ₽	14 435 637 ₽
109	20 773,73 ₽	102 252,43 ₽	14 414 863 ₽
110	20 920,88 ₽	102 105,28 ₽	14 393 942 ₽
111	21 069,07 ₽	101 957,09 ₽	14 372 873 ₽
112	21 218,31 ₽	101 807,85 ₽	14 351 655 ₽
113	21 368,60 ₽	101 657,56 ₽	14 330 286 ₽
114	21 519,96 ₽	101 506,19 ₽	14 308 766 ₽
115	21 672,40 ₽	101 353,76 ₽	14 287 094 ₽
116	21 825,91 ₽	101 200,25 ₽	14 265 268 ₽
117	21 980,51 ₽	101 045,65 ₽	14 243 288 ₽
118	22 136,20 ₽	100 889,95 ₽	14 221 151 ₽
119	22 293,00 ₽	100 733,16 ₽	14 198 858 ₽
120	22 450,91 ₽	100 575,25 ₽	14 176 407 ₽

Showing first 120 payments

💡 How to Use

Enter the total price or loan amount
Set your down payment amount
Input the annual interest rate
Choose the loan term (15, 20, 25, or 30 years)

🧮 Formula

Monthly Payment:
M = P × [r(1+r)^n] / [(1+r)^n - 1]

Variables:
M = Monthly payment
P = Loan principal (amount borrowed)
r = Monthly interest rate (annual rate ÷ 12)
n = Total number of payments (years × 12)