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05 / LOAN

Loan Repayment Calculator

Calculate monthly repayments and the full cost of any personal loan, car finance, or credit agreement. See the true APR and year-by-year breakdown.

GuideRead how repayment and APR calculations work
Income, Tax, and Borrowing Cluster

These pages work best as a connected cluster: calculate take-home pay, convert salary to freelance pricing, then pressure-test borrowing and repayment assumptions.

Loan Details
£
APR
%
5.0 years
months
Results
Monthly Payment
£296
Total Repaid
£17,779
Total Interest
£2,779
19% of loan
Effective APR
7.12%
true annual cost including compounding
Yearly Breakdown
Yr
Interest vs Principal
Interest
Balance
Y1
£954
£12,398
Y2
£768
£9,611
Y3
£570
£6,625
Y4
£357
£3,426
Y5
£129
£0
Cluster Hubs

Use these organising pages when you want the main calculators and supporting guides for this topic grouped in one place.

Browse all calculatorsUse the main calculator directory to move from loans into mortgages, savings, and take-home pay tools.Open the income, tax, and borrowing hubKeep salary, freelance, loan, and affordability pages grouped within one commercial cluster.Open the property, tax, and estate hubUse the adjacent planning hub when income questions turn into tax-aware property or wealth decisions.
Related Calculators

Move sideways to closely related calculators without leaving the same topic cluster.

Use the Salary Take-HomeNet pay after tax — UK, Germany, USA, France, Netherlands, Australia.Use the Freelance Rate CalculatorWork backwards from desired salary to minimum hourly and day rate.Use the Mortgage AffordabilityThe maximum you can borrow based on income, deposit, and stress test.
Related Guides

Use these supporting explainers when you need the formula, assumptions, or decision framing behind the numbers.

Read Student Loan Repayment: Plan 1, Plan 2, and Plan 5 ComparedHow Salary Take-Home Is CalculatedBreak down gross-to-net pay across tax and social contribution systems.Salary Sacrifice: Tax and National Insurance Savings ExplainedSee when pension and benefit salary sacrifice changes take-home outcomes.Freelance Rate: Working Backwards from Desired SalaryConvert target income into billable day-rate requirements.