Infographic Loan Calculator
The start of smart loan design! Our loan calculator transforms complex financial formulas into visual charts, showing your repayment plan intuitively. Compare various methods like level payment, level principal, and bullet repayment with a single click, and precisely analyze monthly interest and remaining principal.
Infographic Loan Calculator
Monthly Repayment Flow (Principal vs Interest)
Detailed Amortization Schedule
| Period | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $449 | $158 | $291 | $99,842 |
| 2 | $449 | $158 | $291 | $99,684 |
| 3 | $449 | $159 | $290 | $99,525 |
| 4 | $449 | $159 | $290 | $99,366 |
| 5 | $449 | $160 | $289 | $99,206 |
| 6 | $449 | $160 | $289 | $99,046 |
| 7 | $449 | $161 | $288 | $98,885 |
| 8 | $449 | $161 | $288 | $98,724 |
| 9 | $449 | $162 | $287 | $98,562 |
| 10 | $449 | $162 | $287 | $98,400 |
| 11 | $449 | $162 | $287 | $98,238 |
| 12 | $449 | $163 | $286 | $98,075 |
| ... 348 Months more ... | ||||
| 360 | $145 | $145 | $0 | $0 |
What's the difference between repayment methods? (Information)
01. Level Payment vs. Level Principal vs. Bullet
Level Payment offers constant monthly payments for easy budgeting. Level Principal has higher initial burdens but the lowest total interest. Bullet Repayment defers principal until maturity but accumulates the most interest.
02. Pros and Cons of Grace Period
During a grace period, you only pay interest, reducing initial burden. However, the principal repayment period becomes shorter, increasing later payments and total interest. Plan carefully.
Financial Standard Calculation Guide
This calculator 100% reflects standard amortization schedule generation logic used by major banks and financial institutions.
| Item | Level Payment | Level Principal | Bullet |
|---|---|---|---|
| Monthly Payment | Constant | Gradually decreases | Constant interest only |
| Total Interest | Moderate | Lowest | Highest |
| Recommended for | Stable spending | Interest savings | Short-term liquidity |
How to Use (Step-by-step)
Enter or slide to adjust loan amount, rate, and term.
Select the repayment method and grace period that fits you.
Check the summary dashboard and infographic chart for the full flow.
Frequently Asked Questions (FAQ)
Q. Which repayment method has the lowest interest?
Level Principal repayment has the lowest total interest because you pay off the principal faster, reducing interest on the remaining balance.
Q. What is a grace period?
A period after getting a loan where you don't pay back the principal, only interest. It reduces initial burden but increases total interest paid.
Q. Can the results differ from actual loans?
This calculator follows standard formulas, but minor differences may occur depending on specific bank logic or interest rate changes.
Recommended Tools
Privacy Image Blur Tool
Blur faces, license plates, and addresses in your photos with a mouse drag using Gaussian blur. Fully local — your images are never uploaded.
Image Compressor
Compress high-quality images to your desired size (e.g., 100KB, 1MB) instantly without quality loss. 100% local, secure processing.
WebP Converter
Convert WebP to JPG or PNG instantly, or optimize standard images to WebP. 100% local conversion with zero server uploads.
YouTube Shorts Image Cropper
Upload a local image and crop it to the recommended YouTube Shorts 9:16 ratio by moving and adjusting the box.