Set the inputs
Choose loans or deposits, enter a common principal and comparison horizon, then set each offer’s rate and rate basis.
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 terms
For loans, enter terms and fees. For deposits, enter balance tiers, rates and withholding under the monthly paid-out interest model.
Read the result
Compare loan costs or net deposit receipts over the same horizon. Do not directly compare flat and nominal rates.
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
Compare a lower-rate offer with fees against a higher-rate fee-free offer using the same principal and number of payments.
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 cost rate is not certification of a lender’s statutory disclosure rate. Deposits assume monthly paid-out interest, not compounding or actual-date credit events.