Calculate percentage and fixed origination charges plus alternative net-proceeds and financed-balance outcomes.
The calculator keeps the balance, rate convention, payment timing, fees, and term visible so you can reproduce the result and compare it with an actual offer or statement.
The cash-flow relationship
Place every amount at the correct time
Fee = principal × entered fee rate + fixed charge; net proceeds = principal − fee; financed balance alternative = principal + fee.
Visual explanation
What changes the borrowing result
Balance / proceedscash charge or interestTime / limit basisExplicit rate or finance chargeFee = principal × entered fee rate + fixed charge; net proceeds = principal − fee; financed balance alternative = principal + fee.
Read the result in context
Use the estimate with its contract assumptions
A 2% fee plus 100 on a 10,000 principal totals 300, leaving 9,700 if withheld or 10,300 if financed.
Withheld and financed results are alternative treatments. Confirm the contract treatment and do not add a charge already included elsewhere. This calculator does not produce an APR.
Quick guide
How to use this calculator
Enter all amounts in one consistent currency.
Use the rate and whole-period timing named by each visible label.
Read the result together with its phase, fee, security, and contract exclusions.
Calculation method
Calculation method
Fee = principal × entered fee rate + fixed charge; net proceeds = principal − fee; financed balance alternative = principal + fee.
Entered monetary components use exact fixed-decimal arithmetic. Amortizing phases use the reviewed stable loan schedule and round only for presentation.
Worked example
Worked example
A 2% fee plus 100 on a 10,000 principal totals 300, leaving 9,700 if withheld or 10,300 if financed.
Fee = principal × entered fee rate + fixed charge; net proceeds = principal − fee; financed balance alternative = principal + fee.
Supported inputs
Precision and limits
Visible input limits
Amounts are capped at 1e12, rates at 1000%, phases at 1,200 months, and fixed decimals at 12 places.
Estimate, not advice
The tools model only entered cash flows and contract components. They do not assess approval, legal enforceability, property value, future variable rates, or refinancing availability.
International scope
No currency, country, lender threshold, secured-credit law, tax treatment, fee rule, or consumer protection is assumed.
Calculator-specific assumptions
Withheld and financed results are alternative treatments. Confirm the contract treatment and do not add a charge already included elsewhere. This calculator does not produce an APR.
