Personal Loan Calculator — With Origination Fee & True Cost Breakdown
Calculate your exact monthly payment, cash received, and true total cost with origination fees. Choose fee deducted from proceeds or added to balance.
✓ Formula verified: January 2026For informational purposes only
Personal Loan Calculator
Results below
Enter Values
Estimated Monthly Payment
$1,772.30
Actual Cash You Receive
▼ $19,400.00
Total Interest Paid
▼ $1,267.61
Origination Fee Cost
▼ $600.00
Total Cost of Loan (Payments + Fee)
▼ $21,867.61
Loan Term
12 months
What if your loan amount changes? $18000 → $1,595.07 · $20000 → $1,772.30 · $22000 → $1,949.53
Scenario Comparison
Conservative (5%)
$16,470.09
$6,470.09 interest
Your scenario (7%)
$20,096.61
$10,096.61 interest
Aggressive (10%)
$27,070.41
$17,070.41 interest
High-risk (14%)
$40,224.71
$30,224.71 interest
Best return
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Amortization Schedule
Balance Over Time
Balance
Cumulative Interest
Loan Amount
$20,000
Total Interest
$1,268
Extra Payment Savings
$
Enter an extra payment amount to see your savings.
2 years
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $1,018 | $11,388 | $8,612 |
| 2 | $249 | $8,612 | — |
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