Set the inputs
Enter the principal owed, annual rate and term in months. Keep cash received after fees separate from principal.
Loan payment
Calculate reducing-balance loan payments, extra repayments and a reconciled monthly repayment schedule.
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.
This is an estimate, not a loan offer or an exact lender statement.
How to use this calculator
Check the terms
Match the nominal or effective rate basis to the offer and enter upfront fees.
Read the result
Read the payment, total interest, total cost including fees and remaining-balance schedule together. The final payment may adjust to clear rounding residue.
A worked example
Illustrative calculation
Borrowing 12,000 THB at 0% for 12 months with no fees requires 1,000 THB per month.
Compare a second scenario
Keep principal and rate fixed, extend the term, and compare the lower payment with the change in total interest.
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?
This month-end model does not reproduce daily accrual, variable rates, insurance or default penalties in a loan contract.