Quick guide
How to use this calculator
- Enter the contractual or scenario values requested by each label.
- Keep amounts in one currency and use the whole-period unit shown on each label.
- Review every result with the stated exclusions.
Calculation method
Calculation method
Total = balance × percentage + fixed charge + balance × nominal annual rate ÷ 12 × entered interest months.
The engine retains calculation precision and rejects invalid or numerically unreliable schedules.
Worked example
Scenario example
On a 100,000 balance, a 2% component is 2,000, a fixed charge is 500, and three months of interest at 6% is 1,500, totaling 4,000.
Total = balance × percentage + fixed charge + balance × nominal annual rate ÷ 12 × entered interest months.
Supported inputs
Precision and limits
Visible limits
Amounts are capped at 1e12, entered rates at 1000%, periods at 1,200 months or 100 years, and fixed decimals at 12 places. A derived ARM rate above 1000% is rejected.
International scope
No jurisdiction, currency, tax, insurance, index path, lender rule, or legal interpretation is assumed.
Not a quotation
Results are mathematical scenarios based only on entered terms.
Specific assumptions
Contracts use specific or alternative methods. Enter only components that your contract actually combines; this is not a legal interpretation.