Personal loan calculator with fees and APR

How to use this tool

1. Enter your values or choose a local file. Replace the example data with your own.
2. Review options, units and assumptions, then run the tool.
3. Check the result before copying or downloading it. Keep an original copy of important files.

Method & assumptions

Monthly payment, total interest and the real APR of a personal loan once the origination fee is included.

Worked example

Loan amount: 15,000
Interest rate %: 11.5
Term (months): 48
Origination fee %: 3

→ Monthly payment: 391.34
→ Total interest: 3,784.09
→ Origination fee: 450
→ Total cost of borrowing: 4,234.09
→ Effective APR including fee: 13.14 %

Limits & important notes

Basic release. Review the result before relying on it. File limits, supported cases and processing requirements are shown above.

Content updated: 2026-10-10