Set the inputs
Enter the loan amount, annual rate, term in months and balloon principal due at the end.
Balloon loan
Calculate regular payments and the additional final balloon, including a monthly reserve for that obligation.
Result
Enter your assumptions and calculate payments and remaining debt.
Monthly model: interest and payments round to cents; the final payment clears the balance. Extra payments follow interest and regular payment. Total payments already include extras.
The balloon is added to the last regular payment. Balloon savings assume 0% interest and use the entered balloon before any effect of extra repayments.
This is an estimate, not a loan offer or an exact lender statement.
How to use this calculator
Check the terms
Check that the balloon is not a down payment. The last month also includes the regular installment.
Read the result
Read regular payments, the last payment and total paid. Plan for the lump sum before judging affordability from monthly payments.
A worked example
Illustrative calculation
At 0%, a 120,000 THB loan over 12 months with a 24,000 THB balloon requires 8,000 THB regularly and 32,000 THB in the final month.
Compare a second scenario
Keep amount and rate fixed, reduce the balloon, and compare the higher installment with the lower final payment. Deferring principal does not remove debt.
Common questions
Where does my information go?
Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.
What are this model’s limitations?
The model does not assume refinancing will be available or that resale proceeds will cover the balloon. The borrower retains lump-sum funding risk.