Loan Calculator

This shows the true cost of capital before you sign for it.

A loan is an opportunity. The analysis is what keeps it sustainable — making sure the cost of debt fits your projected growth and cash flow. It's the tool for comparing term sheets, weighing an equipment lease, or deciding whether a line of credit beats a fixed-term loan. It turns securing a loan into a decision you can check.

What You'll Need — three inputs:

• Interest Rate: the nominal rate and how often it compounds, which set your base cost.

• Upfront Costs: origination, prepaid, and loan fees that reduce your net proceeds and raise your real rate.

• Payment Frequency: how often you pay and the length of the loan, which together set the size of each payment.

Your Results:

• Your Payment: the actual amount due each period, so you can test it against your monthly cash flow.

• Total Interest & Fees: the full dollars you'll pay over the life of the loan, on top of the amount borrowed.

• APR (Annual Percentage Rate): the true annual cost, including all fees and compounding, so you can compare lenders directly.

• Effective APR: the cost if interest compounded once a year — the most accurate view of the annual cost.