Loan calculator
Work out the monthly payment — annuity or straight-line (equal principal) schedule.
Month-by-month repayment schedule
| Month | Payment | Interest | Principal | Balance |
|---|
Shows the first and last months; for long terms the middle is shortened.
Annuity or equal parts of the principal
With annuity the payment is the same throughout, but at the start most of it is interest. With equal principal parts each payment reduces the debt by the same amount, so early payments are larger but the total overpayment is smaller.
What rate is realistic in a private loan
In Lithuania private-loan rates are usually 10–30 percent a year. Lower is almost always a deal between close people; higher without collateral is hard to justify. Collateral or a guarantor usually lowers the rate. How to protect both sides — on the page private loans.
Why the result is an estimate, not an offer
The calculator computes from the numbers you enter and offers nothing: this is not a loan offer, and the portal is not a lender. The real terms are born in the parties' conversation and become binding only in the agreement. Wider context — on the page legal basis.
Common questions about the calculation
Why does the calculator show more than the lender promised?
Because it includes interest for the whole term. A listing usually names the principal, not the total repayment.
What is the difference between annuity and straight-line?
With annuity the payment is the same throughout, but total interest is higher. Straight-line has bigger early payments but a smaller overpayment.
Is the result an offer?
No. It is an estimate; the parties fix the real terms in the agreement.
What rate should I enter if it is not known yet?
Start with 15–20% a year — the range most common in listings — and adjust after the conversation.
Does it include late-payment penalties?
No. It computes the planned schedule; the consequences of a delay are a separate matter.