Personal Loan Scenario Calculator: Compare loan terms for better decision making.
The Personal Loan Scenario Calculator is an indispensable tool for anyone seeking the smartest and most strategic decision when considering taking out a loan. It allows you to simulate and compare various conditions offered by different financial institutions, or even variations of the same loan, by analyzing crucial factors such as the total amount to be borrowed, the applied interest rate, the repayment term, and the impact on monthly installment amounts. By visualizing the complete scenario of each option, including the total cost of the loan over time and the flexibility of installments, you can clearly identify the alternative that best aligns with your repayment capacity and financial goals, avoiding surprises and optimizing your resources. For you, Carlos, who values analysis and informed decision-making, this calculator is a practical guide to navigate the world of credit safely and intelligently.
Loan Scenarios Calculator
Compare multiple personal loan offers (monthly payment, total cost, CET). Language: English / Español / Português (BR).
Scenarios
Enter up to 5 scenarios. Values use US format (decimal point), currency in USD.
Results
Comparison Table
Amortization Schedule (Selected Scenario)
How to use / Instructions
- Click "Add Scenario" to add a loan offer. Fill Name, Loan Amount (USD), Term (months), CET Annual (%) or Nominal Rate + Other Fees.
- If you don't have CET, enter Nominal Rate and Other Fees; the calculator will estimate CET.
- Click "Compare" to see monthly payments, total interest, and total cost. Select a scenario in the table to view its amortization and charts.
- Use "Save Locally" to store scenarios in your browser. Click "Export JSON" to download a file with scenarios.
- Click the Print button to print results and amortization (controls will be hidden in print).
Glossary
- Principal / Principal
- The loan amount borrowed (USD).
- Monthly Payment
- Fixed monthly installment computed from the CET monthly rate and term.
- CET (Effective Total Cost)
- The annual effective rate that combines interest, fees and insurance — best for comparing loans.
- Total Cost
- The sum of all payments and fees over the life of the loan.
- Amortization
- The schedule showing how each payment is split between interest and principal, and the remaining balance.
Disclaimer: This calculator is educational and for simulation only. It does not replace professional financial advice.
