Mortgages, car loans, personal loans: the headline rate tells you almost nothing. The total interest, the monthly payment and how it splits between principal and interest tell you everything. The ChrysoKit Loan Calculator shows you all three.
Why use it
Bank calculators stop at the monthly payment. We show the full amortisation schedule so you can see how much you owe at any point in the loan.
How to use the Loan Calculator
- Enter the loan amount, interest rate and term.
- Read the monthly payment and total interest.
- Open the amortisation table for the year-by-year breakdown.
- Adjust the inputs to compare scenarios.
Features worth knowing
Monthly payment and total cost
Both numbers are essential; we show them side by side.
Amortisation schedule
Year by year, principal vs interest, ending balance.
Scenario comparison
Tweak the rate or term and see the effect immediately.
Pro tips
- A small rate change has a large total-cost effect over long terms. The 0.25% you negotiate is worth more than it looks.
- Early payments hit principal harder than late payments, because they cut interest on every future payment.
- Total interest paid is often close to the loan principal on long mortgages. Small overpayments matter.
Privacy first. The Loan Calculator runs entirely in your browser. Nothing you enter is sent to a server.
Run any loan you are considering through the Loan Calculator before signing. The total cost line alone is often the most useful number you will see all month.
Open the tool: Loan Calculator →