Personal loan cost calculator

Everything a loan costs, end to end.

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

Loan

Rate

10.9%

Years

Origination fee

Total cost of credit

$3,874

Monthly payment

$386.95

Show in today's money

With these inputs, total cost of credit comes to $3,874 over 4 years. Monthly payment works out to $386.95. The result assumes rate stays at 10.9%.

Over time · by years

Input	−10%	Now	+10%
Loan	$3,486	$3,874	$4,261
Rate	$3,495	$3,874	$4,257
Years	$3,502	$3,874	$4,250
Origination fee	$3,844	$3,874	$3,904

Whatmakesequal

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

Everything a loan costs, end to end.

With the defaults above, total cost of credit works out at $3,874.