Business Loan Calculator
Estimate monthly payments, total interest, financing cost, payoff dates, and the impact of extra payments before you commit to a business loan.
Build a complete business loan scenario
Adjust any input and the payment, payoff, chart, and amortization schedule update immediately.
Business Loan Scenario
Korrigierened-rate amortizing loan estimate
Principal vs interest over time
- Principal—
- Interest—
- Fees—
Impact of extra payments
Remaining principal
Payment-by-payment breakdown
| # | Payment date | Payment | Principal | Interest | Extra | Balance |
|---|
Understand the full cost of financing in three steps.
Enter the proposed terms
Add the loan amount, fixed interest rate, term, start date, and lender fees.
Compare repayment strategies
See the standard schedule and test an extra monthly principal payment.
Save or share the analysis
CSV herunterladen, print a PDF, or save the scenario to Arbeitsbereich for later review.
Use the calculator before financing equipment, growth, or working capital.
Visual comparisons make it easier to discuss affordability, financing cost, and payoff strategy with partners, accountants, and lenders.
$85,000 equipment loan
$1,685 / monthCompare a five-year equipment loan with a faster four-year payoff plan.
$250,000 location expansion
$4,973 / monthPrüfen total interest, fees, and cash-flow impact before opening a second location.
$60,000 short-term financing
$5,246 / monthMeasure the higher monthly burden of a twelve-month working-capital loan.
See whether paying a little more creates meaningful savings
A recurring extra payment goes directly toward principal in this estimate, shortening the term and reducing future interest.
- Original payoff date
- Accelerated payoff date
- Months and interest saved
- Complete revised schedule
More than a monthly payment number.
Affordability
Measure the recurring payment against expected business cash flow.
Financing cost
Separate principal, interest, and lender fees to understand total cost.
Early payoff
Test how extra principal payments shorten the term and reduce interest.
Amortization
Prüfen every payment date, principal amount, interest charge, and balance.
Questions about the Business Loan Calculator.
How is the monthly payment calculated?
The calculator uses the standard fixed-rate amortizing loan formula with the loan amount, annual interest rate, and term you enter.
Can I include an extra monthly payment?
Yes. Add any recurring extra principal payment to compare the original payoff date with an accelerated payoff scenario.
Does this include lender fees?
You can enter origination and other upfront fees. They are included in total financing cost but do not change the contractual principal unless your lender finances those fees.
Can I print or save the calculation?
Yes. Print the complete report as PDF, download the amortization schedule as CSV, or save the loan scenario to Arbeitsbereich.
Is this a loan offer or financial advice?
No. Results are estimates for planning and comparison. Confirm final rates, fees, payment timing, and terms with your lender.
How was your experience?
Tell us what you accomplished. Feedback is reviewed before anything is published.