Household
Loan repayment calculator
Work out the monthly repayment and total interest on a UK loan, and the time and interest saved by paying extra or a lump sum.
Rates last checked on 9 November 2026.
Not a full APR if your quote includes fees.
Show full breakdown
| Month | Payment | Interest | Balance |
|---|---|---|---|
| 1 | £257.76 | £66.00 | £7,808.24 |
| 2 | £257.76 | £64.42 | £7,614.90 |
| 3 | £257.76 | £62.82 | £7,419.96 |
| 4 | £257.76 | £61.21 | £7,223.41 |
| 5 | £257.76 | £59.59 | £7,025.24 |
| 6 | £257.76 | £57.96 | £6,825.44 |
| 7 | £257.76 | £56.31 | £6,623.99 |
| 8 | £257.76 | £54.65 | £6,420.88 |
| 9 | £257.76 | £52.97 | £6,216.09 |
| 10 | £257.76 | £51.28 | £6,009.61 |
| 11 | £257.76 | £49.58 | £5,801.43 |
| 12 | £257.76 | £47.86 | £5,591.53 |
| 13 | £257.76 | £46.13 | £5,379.90 |
| 14 | £257.76 | £44.38 | £5,166.52 |
| 15 | £257.76 | £42.62 | £4,951.38 |
| 16 | £257.76 | £40.85 | £4,734.47 |
| 17 | £257.76 | £39.06 | £4,515.77 |
| 18 | £257.76 | £37.26 | £4,295.27 |
| 19 | £257.76 | £35.44 | £4,072.95 |
| 20 | £257.76 | £33.60 | £3,848.79 |
| 21 | £257.76 | £31.75 | £3,622.78 |
| 22 | £257.76 | £29.89 | £3,394.91 |
| 23 | £257.76 | £28.01 | £3,165.16 |
| 24 | £257.76 | £26.11 | £2,933.51 |
| 25 | £257.76 | £24.20 | £2,699.95 |
| 26 | £257.76 | £22.27 | £2,464.46 |
| 27 | £257.76 | £20.33 | £2,227.03 |
| 28 | £257.76 | £18.37 | £1,987.64 |
| 29 | £257.76 | £16.40 | £1,746.28 |
| 30 | £257.76 | £14.41 | £1,502.93 |
| 31 | £257.76 | £12.40 | £1,257.57 |
| 32 | £257.76 | £10.37 | £1,010.18 |
| 33 | £257.76 | £8.33 | £760.75 |
| 34 | £257.76 | £6.28 | £509.27 |
| 35 | £257.76 | £4.20 | £255.71 |
| 36 | £257.82 | £2.11 | £0.00 |
Each month
£257.76
- Interest in total
- £1,279.42
- You pay back
- £9,279.42
- Term
- 36 months = 3 years
The annual rate is divided by 12. The last payment may differ by a penny so the balance ends at zero.
How this is worked out
Enter the amount you borrow, the annual interest rate, and the term in years or months. Five years is the same loan as 60 months. The calculator turns the annual rate into a monthly rate by dividing by 12, then works out the fixed repayment that clears the loan.
This is the interest rate on the borrowing, not a full APR. An APR includes certain fees, so the repayment in a credit agreement can be a little different. The schedule rounds interest to the nearest penny and adjusts the last payment.
Questions
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For guidance only. This is not financial advice, legal advice, or a mortgage offer. Check the original invoice, contract, or lender illustration before you rely on a figure.
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