Set your inputs and units
Enter amounts in THB and choose a period and rate basis that match the scenario you want to model.
Interest cost comparison
Compare loan or deposit offers using a common amount and horizon, including fees and actual model cashflows.
Result
Adjust the example inputs, then calculate.
Modeled cashflows subtract upfront fees from initial proceeds and include financed fees once in the debt. Flat interest uses original principal; reducing-balance offers use the selected rate basis. Monthly IRR, annual nominal and annual effective rates are distinct. Horizon cost includes payments plus remaining debt. This is not certified APR/EIR or an early-settlement quote for flat loans.
How to use this calculator
Check the assumptions
Review contribution timing, day-count basis or reserve duration. Financial products do not all use the same rules.
Calculate and compare
Read the result and table, then change inputs to compare. Copy the result or reset without leaving this page.
A worked example
Illustrative calculation
For equal principal at 0%, an offer charging a 1,000 THB fee costs 1,000 THB more than an otherwise identical fee-free offer.
Compare a second scenario
Copy your first result, then change only the amount or duration to see how that assumption changes the outcome.
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.
Does this match a bank statement or guarantee a return?
This is an estimate under your assumptions, not a guaranteed return. Actual payment dates, fees, taxes and contractual rounding can change the result.