Public Loan Calculator

Model loan instalments with confidence.

Compare flat/simple, reducing balance, and compound interest in one clean view before you approve, price, or present a loan.

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Three methods Compare how interest behaves before disbursement.

Clean schedule Review month-by-month balances and payment dates.

Operational fit Use the same calculator language your team uses in loans.

Live loan summary One source of truth for the calculation

Flat / Simple Interest

Monthly Instalment P 0.00 1 month

Total Interest P 0.00 0% applied

Total Repayable P 0.00 Principal plus interest

Start Date 2026-06-10 First schedule anchor

Interest method Flat / Simple Interest

How it behaves Interest is based on the original principal for the full term.

Schedule output Opening balance, payment, principal, interest, and closing balance.

Loan Inputs

Enter the core loan details and pick the pricing method that matches your organisation's credit model.

Loan Amount

Interest Rate (%)

Loan Term (months)

Start Date

Interest Calculation Method

C Flat / Simple Interest Interest is based on the original principal for the full term. R Reducing Balance Interest is based on the outstanding principal each period. C Compound Interest Unpaid interest is added into the balance and future interest is charged on principal plus accrued interest.

Current selection Interest is based on the original principal for the full term.

Amortisation Schedule

Review the month-by-month payment structure with aligned currency values for faster analysis and cleaner communication.

Month	Payment Date	Opening Balance	Payment	Principal	Interest	Closing Balance
1	2026-06-10	P 0.00	P 0.00	P 0.00	P 0.00	P 0.00