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Cheap personal loans guide including loan calculator

This is one of the most common question about loans. You should never aim just to consolidate – it’s often a disaster waiting to happen. If you’ve a lot of small loans or credit card debts, the primary aim should be to pay them as quickly as you can at the lowest possible rate.

Don’t be suckered in by the promise that a consolidation loan can save you money by reducing your outgoings to a “manageable” level using just “one single monthly payment”.

They can – but the way they do this is by stretching your borrowing over a longer period, maybe 15, 20 or even 25 years. That means the amount you pay back is going to be huge, as you’re paying interest for much longer.

A £10,000 loan on a high street credit card at a horrid 18% APR costs £5,240 in interest if paid off within five

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Health Insurance Marketplace Calculator | The Henry J. Kaiser Family Foundation

 The FAQs below are intended to help you understand this Calculator. More detailed questions and answers about signing up for coverage are available on our Health Reform FAQ page.

Where can I go for help understanding how the health reform law will affect me?

If you have questions about how the health reform law will affect you and your insurance options, please go to Healthcare.gov, or contact their Help Center at 1-800-318-2596 if you have questions that cannot be answered on their website. You can also contact your state’s Consumer Assistance Program, Exchange, or Medicaid office with questions about eligibility and enrollment.

The Kaiser Family Foundation is not able to provide individual advice on your insurance options. However, we do provide answers to a number of frequently asked questions below, along with more detailed questions and answers in our Health Reform FAQ page.

I am having difficulty viewing or understanding

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Financial Calculators – The Calculator Site

The finance section of The Calculator Site featuring useful financial calculator tools for loans, car/auto loans, compound interest, savings, mortgages and more.

compound interest icon

Use this calculator to work out the compound interest on your savings or investments. It includes
the option for regular monthly deposits or withdrawals and uses the compound interest formula.

simple interest icon

Use this simple interest calculator to calculate the interest on your savings or loan without compounding. This means that interest is only calculated on the principal, not on previous interest.

loan icon

Calculate your monthly repayment figures for a secured or unsecured personal loan using this finance calculator tool. The calculator results include a monthly breakdown schedule of interest and
capital repayment amounts, to show you exactly what you will be paying.

CAGR icon

Use this compound annual growth rate (CAGR) calculator to work out the annual growth rate of an investment – the percentage rate that gets you from the

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Finance Calculator

This finance calculator can be used to calculate any number of the following parameters: future value (FV), number of compounding periods (N), interest rate (I/Y), annuity payment (PMT), and start principal if the other parameters are known. Each of the following tabs represents the parameters to be calculated.

Results

FV (Future Value) $48,997.75
PV (Present Value) $27,360.09
N (Number of Periods) 10.000
I/Y (Interest Rate) 6.000%
PMT (Periodic Payment) $1,000.00
Starting Investment $20,000.00
Total Principal $30,000.00
Total Interest $18,997.75

Balance Accumulation Graph

Schedule

  start principal start balance interest end balance end principal
1 $20,000.00 $20,000.00 $1,200.00 $22,200.00 $21,000.00
2 $21,000.00 $22,200.00 $1,332.00 $24,532.00 $22,000.00
3 $22,000.00 $24,532.00 $1,471.92 $27,003.92 $23,000.00
4 $23,000.00 $27,003.92 $1,620.24 $29,624.16 $24,000.00
5 $24,000.00 $29,624.16 $1,777.45 $32,401.60 $25,000.00
6 $25,000.00 $32,401.60 $1,944.10 $35,345.70 $26,000.00
7 $26,000.00 $35,345.70 $2,120.74 $38,466.44 $27,000.00
8 $27,000.00 $38,466.44 $2,307.99 $41,774.43 $28,000.00
9 $28,000.00 $41,774.43 $2,506.47 $45,280.90 $29,000.00
10 $29,000.00 $45,280.90 $2,716.85
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Personal Loan Calculator


Monthly Pay:   $212.47

Total of 60 Loan Payments $12,748.23
Total Interest $2,748.23
Origination Fee $500.00
Total Interest + Fee $3,248.23
Actually Received $9,500.00
Real APR 12.240%
Payoff Date Mar. 2025


Payment Breakdown

Loan Amortization Graph


Related

Mortgage Calculator | Auto Loan Calculator | Credit Card Calculator | Loan Calculator

The Personal Loan Calculator can give concise visuals to help determine what monthly payments and total costs will look like over the life of a personal loan. Since most personal loans come with fees and/or insurance, the end cost for them can actually be higher than advertised. The calculator takes all of these variables into account when determining the real annual percentage rate, or APR for the loan. Using this real APR for loan comparisons is most likely to be more precise.

What are Personal Loans?

Personal loans are loans with fixed

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