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Loan Analysis Calculator

Analyze the impact of extra payments on a loan's payoff time and cost.

Reviewed by the KakouCalc editorial team · Updated July 2026

Interest Saved

$135,115.17

Months Saved

110

New Payoff Time

20.8 yrs

Original Total Interest

$382,633.47

New Total Interest

$247,518.30

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<iframe src="https://kakoucalc.serverkakoulabs.org/embed/loan_analysis" title="Loan Analysis Calculator by KakouCalc" width="100%" height="612" style="border:1px solid #e5e7eb;border-radius:10px;max-width:520px" loading="lazy"></iframe>
<p style="font:13px/1.5 system-ui,sans-serif;margin:8px 0 0"><a href="https://kakoucalc.serverkakoulabs.org/calc/loan_analysis">Loan Analysis Calculator</a> by <a href="https://kakoucalc.serverkakoulabs.org">KakouCalc</a></p>

Preview ↗

How to use the Loan Analysis Calculator

The Loan Analysis Calculator is free and runs entirely in your browser — no sign-up, and nothing you enter leaves your device. It opens pre-filled with a realistic example, so you can see how it works before replacing any figure with your own; the results update as you type. Press Calculate to refresh the result panel, or Reset to return to the example.

The inputs it asks for:

Loan Amount — a dollar amount.
Annual Interest Rate — a percentage (enter 6 for 6%).
Term (Years) — a number.
Extra Monthly Payment — a dollar amount.

Worked example

Using the example values — Loan Amount $300,000.00, Annual Interest Rate 6.5%, Term (Years) 30, Extra Monthly Payment $300.00 — the Loan Analysis Calculator returns a Interest Saved of $135,115.17. It also reports Months Saved (110), New Payoff Time (20.8 yrs), Original Total Interest ($382,633.47).

Prefer your own numbers? Change any field above and this recomputes instantly.

Educational information, not financial advice. See our methodology for how these tools are built and checked.