💳 Personal Loan Calculator — Monthly Payment & APR

Calculate the monthly payment, total interest and APR of any personal loan. Includes opening fee.

💳 Personal Loan Calculator

Monthly payment, total interest & APR

Loan amount (€)

Annual interest rate — nominal (%)

Term (months)

Opening fee (%)

Monthly payment

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📋 Total interest

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🏦 Total to repay

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📈 APR (approx.)

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ℹ️ Loan tips

The APR reflects the real cost (interest + fees), always compare by APR
A longer term lowers the monthly payment but raises total interest
Keep total debt payments below 35% of your net income

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