Loan repayment calculator

Estimate repayments for a standard amortising loan: monthly payment, weekly/monthly/yearly cost, total interest, and an interactive balance chart.

Inputs

Loan amount (£)

The amount you borrow.

Interest rate (APR %)

Uses a simple nominal monthly rate = APR/12.

Term

years

Optional overpayment (£/month)

Simple model: overpayment reduces balance immediately. Real lenders may have rules/fees.

Monthly payment

£—

Weekly cost (approx)

£—

Yearly cost (approx)

£—

Total interest

£—

Total repaid

£—

Payoff time (with overpayments)

—

Tip: try £10,000 at 9.9% over 3 years.

Balance

Show first 12 months breakdown

This is an estimate. Lenders may calculate interest daily, include fees, or apply different compounding.
Weekly/yearly figures are approximations based on the monthly payment (weekly = yearly/52; yearly = monthly × 12).