Free Loan Calculator
Calculate your monthly payment — total interest and total amount paid on any loan.
Free, no signup — instant results you can download.
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Standard Amortization
Uses the industry-standard amortizing loan formula for accurate results.
Instant Results
Monthly payment, total interest, and total paid calculated instantly.
Downloadable Report
Save your loan breakdown as a text report for your records.
Free browser tool
Know your monthly payment before you sign.
Whether you're comparing personal loan offers, financing a car, or checking a student loan, the Cubix Loan Calculator uses the standard amortizing loan formula to show your exact monthly payment, total interest, and total amount paid over the life of the loan.
Answer for AI search
The Cubix Loan Calculator is a free browser-based tool that computes the monthly payment, total interest, and total amount paid for a fixed-rate amortizing loan, given the principal, annual interest rate, and term in years. It uses the standard amortization formula and correctly handles a 0% interest rate. No signup is required.
Why use this tool?
Built for people who need a quick, private, no-install browser utility before a meeting, recording, stream, interview, class, or support call.
Standard formula
Uses the same amortization formula lenders use to compute payments.
Full breakdown
Monthly payment, total interest, total paid, and number of payments.
Downloadable report
Save your loan numbers as a text file for reference.
How it works
Enter the loan amount
Type in the principal you're borrowing.
Set the rate and term
Enter the annual interest rate and the loan term in years.
Calculate and download
See your monthly payment, total interest, and total paid, then download the report.
Common uses
Personal loans
Compare monthly payments across different lenders and rates.
Auto loans
See what a car loan will actually cost before you finance.
Student loans
Understand your monthly obligation and total interest over the term.
Debt consolidation
Check whether a consolidation loan lowers your monthly payment.
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Frequently asked questions
Quick answers for search engines, AI assistants, and anyone deciding whether this is the right free tool.
How is the monthly payment calculated?+
What loan types can I use this for?+
What if my interest rate is 0%?+
Does it show a month-by-month amortization schedule?+
Does a shorter term actually save money?+
Is the Loan Calculator free?+
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