Rune's Loan Calculator estimates monthly payments for fixed-rate installment loans using loan amount, annual interest rate, and repayment term. It shows monthly payment, total payment, total interest, principal versus interest, and a month-by-month amortization schedule.
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The calculator uses the standard amortized loan formula. The annual rate is converted into a monthly rate, and the payment is spread over the total number of months. Each schedule row separates principal, interest, and remaining balance so you can see why early payments often carry more interest.
Use it to compare simple fixed-rate scenarios before talking to a lender: a shorter or longer term, a different rate, a lower loan amount, or a hypothetical refinance. The CSV export lets you open the amortization schedule in a spreadsheet for budgeting or documentation.
Results are estimates, not a lender quote, approval, or financial advice. Real loans may include origination fees, taxes, insurance, closing costs, variable rates, prepayment rules, credit requirements, and other charges that are outside this calculator.
