Business Loan Calculator

Business Loan Calculator is a clean, fast tool for estimating the cost of a business loan — completely offline. Enter the amount you want to borrow, the interest rate and the term, and see your monthly payment, total interest, total cost and the real (effective) APR the moment you type. A full amortization schedule shows exactly how each payment splits between principal and interest. WHAT YOU CAN DO • Estimate the monthly payment on an amortized business loan • See total of payments, total interest and total cost at a glance • Enter the term in months or years with one toggle • Add an optional origination fee to reveal the real, effective APR • Read a full amortization schedule, month by month or year by year • Visualize the falling balance over the life of the loan with a simple chart HOW IT WORKS The app uses the standard amortized-loan formula. Your monthly payment is fixed; early payments are mostly interest, and later payments are mostly principal, so the balance falls faster over time. When you add an origination fee, the calculator works out the effective APR — the true yearly cost once that fee is included — which is always a little higher than the quoted interest rate. INTEREST RATE vs APR The interest rate prices the loan itself. The APR folds in up-front fees, so it reflects what the financing really costs you per year. The Learn tab explains both in plain language. PRIVACY The app collects no personal data and works fully offline — your numbers never leave your device. Ads are served by Google AdMob, which may use an advertising identifier as described in Google's policies. IMPORTANT This calculator provides estimates for general and educational use only. It is not a loan offer, a quote, or financial advice. Real loans may use different compounding, day-count, fee or rounding conventions, and lenders set their own terms. Always confirm figures with your lender before making any decision. Light and dark themes, a tiny download, and no clutter. Download Business Loan Calculator and plan your financing with confidence.