DEDICATED CALCULATOR
حاسبة القروض | Loan Calculator
Before you sign anything, know your number. Enter the loan amount, rate and term — get your monthly payment, total interest and payoff picture instantly.
Calculate now ↓The calculator
Live results as you type. All figures are estimates for planning — not a loan offer.
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Estimates only — not financial advice and not a loan offer. Actual terms depend on your lender, credit profile and fees.
Borrow smarter: 4 rules
1. Shorter term beats lower payment. A 3-year loan at the same rate can save you thousands in interest versus 6 years.
2. Watch the APR, not just the rate. Fees folded into the loan raise the true cost — always compare APR to APR.
3. Extra payments attack principal. Even $50/month extra can shave months off your loan — try it above.
4. Never borrow for depreciating wants. If it loses value while you pay interest on it, save up instead.
FAQ
How is the monthly payment calculated?
With the standard amortization formula: payment = P × r(1+r)^n / ((1+r)^n − 1), where P is principal, r the monthly rate and n the number of payments.
Does extra monthly payment really help?
Yes — extra payments go straight to principal, which reduces the balance that interest accrues on. The effect compounds over the life of the loan.
What is a good interest rate in 2026?
It depends on loan type and your credit profile. Compare at least three offers and focus on APR; a 1% difference on a large loan is significant.
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