Calcolatore Prestito Gratis
Calcola rata mensile, interessi totali e costo totale per qualsiasi prestito. 100% nel browser.
Come Funziona
Enter loan amount, annual interest rate, and loan term in years or months. The tool calculates monthly payment, total interest paid, and total cost of the loan. An amortization schedule shows how each payment splits between principal and interest.
Quando Usarlo
- Mortgage comparison — compare monthly payments across different loan amounts, rates, and terms before making an offer.
- Business loan planning — calculate repayment schedules for equipment financing or working capital loans.
- Debt consolidation — determine if consolidating multiple loans into one with a lower rate actually saves money.
Domande Frequenti
How is the monthly payment calculated?
Using the standard amortization formula: M = P[r(1+r)^n] / [(1+r)^n-1], where P is principal, r is monthly rate, and n is total payments.
Does it include insurance or fees?
The calculator covers principal and interest only. Add insurance premiums, origination fees, and other costs to the loan amount for a more complete picture.
Can I calculate early payoff savings?
Compare the total interest with a shorter loan term to see how much you save. The amortization table shows remaining principal at any point.
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