Loan Calculator

Before you sign for a personal loan, car loan, or education loan, the number that matters most is the repayment — and right behind it, how much of your money goes to interest rather than paying down what you borrowed. A loan that looks affordable at a glance can cost far more over its full term than the headline rate suggests.

This calculator is built for Southeast Asia. Pick your currency — IDR, MYR, SGD, THB, PHP, or VND — and a loan type (personal, auto, education) to start from a typical rate and tenor, then adjust everything to your actual offer. It computes the payment per period (monthly or bi-weekly), the total you'll pay, and the total interest, and builds a full amortization schedule so you can see each payment split between principal and interest as the balance falls.

Go further: add a one-off lump sum or a recurring extra payment to see how much interest and time you save; compare two offers side by side to find the cheaper one; and read the charts that break down principal versus interest and plot your balance over time. Everything is calculated locally in your browser — nothing you enter is uploaded.