Balloon payment calculator

The lump sum left at the end of a term.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Loan amount

Rate

Payment term (years)

Amortised over (years)

Balloon due

$51,754

Monthly payment

$465.18

Show in today's money

With these inputs, balloon due comes to $51,754 over 5 years. Monthly payment works out to $465.18. The result assumes rate stays at 7%.

Over time · by payment term (years)

Input	−10%	Now	+10%
Loan amount	$46,579	$51,754	$56,929
Rate	$51,190	$51,754	$52,292
Payment term (years)	$52,714	$51,754	$50,760
Amortised over (years)	$50,027	$51,754	$53,123

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

The lump sum left at the end of a term.

With the defaults above, balloon due works out at $51,754.