InstalmentLoans

Loan calculators

Every calculator here runs in your browser and nothing you type is sent to us. Start with the payment, then check the total cost.

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All calculators

Personal Loan Calculator Work out the monthly repayment on a UK personal loan from your own amount, APR and term. See total interest, any arrangement fee and the total cost of credit. Loan Payment Calculator Calculate the monthly repayment on a fixed-rate instalment loan. Enter the amount, APR and term to see the repayment, total interest and the total you repay. Total Cost of Credit Calculator See the total cost of credit on a loan, including interest and arrangement fees. Enter the amount, APR, term and fee to see every pound you repay in total. Representative APR Calculator Estimate the representative APR on a loan with an arrangement fee. Compare the stated rate with the estimated APR that includes fees and the extra yearly cost. Loan Payoff Calculator See how many months remain on a loan and how much interest you still pay. Enter the balance, APR and repayment, then add an overpayment to compare the outcome. Loan Amortisation Calculator Build a loan amortisation schedule. Enter the amount, APR and term to see the monthly repayment and how each year splits between capital and interest. Debt Consolidation Calculator Compare your current debts with a single consolidation loan. See the new repayment, the total cost of credit and whether consolidating actually saves money. Car Finance Calculator Estimate car finance repayments from the cash price, deposit, part exchange and APR. See the amount financed, monthly payment and total amount payable. Credit Card Payoff Calculator See how long it takes to clear a credit card balance and the interest you pay. Enter the balance, APR and repayment to compare payoff times and savings. Overdraft Cost Calculator Work out the cost of an arranged overdraft. Enter the amount overdrawn, the yearly interest rate, days overdrawn and any monthly fee to see the total cost. Affordability Calculator Check how much of your income goes to housing and credit. Enter your income and monthly commitments to see your debt-to-income ratio and a general guide. Borrowing Power Calculator Estimate how much you could borrow from your income, housing costs, commitments and an assumed APR. See the monthly amount available for a new loan today. Loan Comparison Calculator Compare two loans side by side. Enter the amount, rates, terms and fees to see repayments, estimated APRs and which of the two offers costs you less overall. Overpayment Calculator See how overpaying a loan cuts the term and the interest. Enter the amount, APR, term and extra monthly payment to see the months and interest you could save.

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Frequently asked questions

Are these loan calculators free?
Yes. Every calculator on InstalmentLoans.co.uk runs in your browser, is free, and requires no sign-up. Nothing you type is sent to us.
How accurate are the results?
The calculators use the standard amortisation and APR formulas used across UK consumer lending. They give an accurate estimate for the numbers you enter, but the exact figure depends on your lender's fees, compounding and rounding.