How long until my loan is paid off? By making consistent regular payments toward debt service you will eventually pay off your loan. Use this calculator to determine how much longer you will need to make these regular payments in order to eventually eliminate the debt obligation and pay off your loan.
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But, frankly, I prefer to use Excel because it’s super easy and you can quickly change the interest rate, loan amount or length of the loan to see. P = principal amount of the loan This formula does my job, but I actually want to understand the formula in detail, that how it derived.
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The loan payment formula shown is used for a standard loan amortized for a specific period of time with a fixed rate. Examples of specialized loans that do not apply to this formula include graduated payment, negatively amortized, interest only, option, and balloon loans.
Formula for the calculation of the duration of a loan with a given amount, interest rate and annuity.
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Free payment calculator to find monthly payment amount or time period to pay off a loan using a fixed term or a fixed payment. It also displays the corresponding amortization schedule and related curves. Also explore hundreds of calculators addressing other topics such as loan, finance, math, fitness, health, and many more.
The reimbursement length is 127.97 periods (months in our case). We will use the formula = B5 / 12 = 127.97 / 12 for the number of years to complete the loan repayment. This interest rate calculator will solve for any missing loan term – interest rate, amount owed, Interest rates are also influenced by the length of the loan term.
So if a 10-year loan has monthly payments, the nper argument would be 10 times 12, or 120 periods. pv is the present value of the loan. So if you want to borrow $12,345.67, or if that’s what you currently owe, that’s your pv. fv is the ending value of the loan. This typically is zero for a loan.
This interest rate calculator will solve for any missing loan term – interest rate, amount owed, Interest rates are also influenced by the length of the loan term.
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