Calcule a parcela mensal, juros totais e prazo para empréstimos pessoais ou auto.
Insira os parâmetros do empréstimo à esquerda e clique em "Calcular Empréstimo" para ver os resultados
We calculate the principal by subtracting your down payment from the total loan amount.
Using the principal, interest rate, and term, we calculate your fixed monthly payment.
Each payment is split between principal and interest, with early payments going more toward interest.
Empréstimo pessoal de US$ 10.000 em 5 anos:
| Taxa APR | Parcela mensal | Juros totais | Total pago |
|---|---|---|---|
| 5,0% | US$ 188 | US$ 1.322 | US$ 11.322 |
| 7,0% | US$ 198 | US$ 1.873 | US$ 11.873 |
| 10,0% | US$ 212 | US$ 2.748 | US$ 12.748 |
Taxa típica de empréstimo pessoal: 6-12% APR. Empréstimos auto: 5-9%. Taxa 0% do fabricante só para compradores com crédito excelente.
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
No server roundtrip. All math runs in your browser so results appear the moment you finish typing.
We never collect, store, or transmit your inputs. Every calculation runs locally in your browser.
Each calculator includes the formula, plain-English explanation, and FAQs so you understand the result.
Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
FAQ
Everything you need to know about this calculator. Can't find what you're looking for? Email our team.
A loan payment calculator is a free tool that estimates the monthly payment, total interest, and total cost for any fixed-rate installment loan. Our loan payment calculator works for personal loans, mortgages, auto loans, and student loans. The loan payment calculator shows the full amortization schedule and total interest paid over the life of the loan.
How it works
Our loan payment calculator estimates your monthly payment, total interest, and full repayment schedule in four quick steps.
Type the total amount you want to borrow in the Loan Amount field. This is the principal before any down payment.
Type the annual interest rate (APR) as a percentage, for example 6.5. The calculator converts it to a monthly rate automatically.
Type the loan length in years, for example 30 for a 30-year loan. The calculator multiplies by 12 to get the number of monthly payments.
If you are paying part of the price up front, type that amount in the Down Payment field. The monthly payment is calculated on the principal minus down payment.
The calculator shows the monthly payment, total interest, total cost, and an amortization schedule for the first 12 months.
Estimate monthly mortgage payment, total interest, and amortization schedule.
Calculate monthly car payment, total interest, and total cost.
Estimate monthly student loan payments and total interest.
Find how long it takes to pay off a credit card balance and the total interest.
Compare debt consolidation to current payments and find total savings.
Build a full loan amortization schedule with monthly principal and interest.
Sponsored