Loan principal
$15,000.00
Long-tail Landing
Loan Calculator
/loan-calculator/15000/11.5/48/2/0
Installment loan estimate over 48 months with origination fee and early-payoff projection.
Updated: 2/20/2026, 10:08:58 PM
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Quick scenarios
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Monthly payment
$391.34
Net disbursed
$14,700.00
Payoff with extra
4y 0m
Interest saved
$0.00
Effective annual rate
13.34%
Snapshot
- Origination fee (2.00%): $300.00
- Baseline interest: $3,784.09
- Baseline total cost (incl. fee): $19,084.09
- Total financing cost: $4,384.09
- Baseline payoff: 4y 0m
- Time saved: 0 months
- Cashflow-derived annualized rate: 13.34%
Amortization Schedule (Accelerated)
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 391.34 | 247.59 | 143.75 | 14,752.41 |
| 2 | 391.34 | 249.96 | 141.38 | 14,502.46 |
| 3 | 391.34 | 252.35 | 138.98 | 14,250.10 |
| 4 | 391.34 | 254.77 | 136.56 | 13,995.33 |
| 5 | 391.34 | 257.21 | 134.12 | 13,738.12 |
| 6 | 391.34 | 259.68 | 131.66 | 13,478.44 |
| 7 | 391.34 | 262.17 | 129.17 | 13,216.27 |
| 8 | 391.34 | 264.68 | 126.66 | 12,951.59 |
| 9 | 391.34 | 267.22 | 124.12 | 12,684.38 |
| 10 | 391.34 | 269.78 | 121.56 | 12,414.60 |
| 11 | 391.34 | 272.36 | 118.97 | 12,142.24 |
| 12 | 391.34 | 274.97 | 116.36 | 11,867.27 |
| 13 | 391.34 | 277.61 | 113.73 | 11,589.66 |
| 14 | 391.34 | 280.27 | 111.07 | 11,309.39 |
| 15 | 391.34 | 282.95 | 108.38 | 11,026.44 |
| 16 | 391.34 | 285.67 | 105.67 | 10,740.78 |
| 17 | 391.34 | 288.40 | 102.93 | 10,452.37 |
| 18 | 391.34 | 291.17 | 100.17 | 10,161.21 |
| 19 | 391.34 | 293.96 | 97.38 | 9,867.25 |
| 20 | 391.34 | 296.77 | 94.56 | 9,570.48 |
| 21 | 391.34 | 299.62 | 91.72 | 9,270.86 |
| 22 | 391.34 | 302.49 | 88.85 | 8,968.37 |
| 23 | 391.34 | 305.39 | 85.95 | 8,662.98 |
| 24 | 391.34 | 308.31 | 83.02 | 8,354.66 |
| 25 | 391.34 | 311.27 | 80.07 | 8,043.40 |
| 26 | 391.34 | 314.25 | 77.08 | 7,729.14 |
| 27 | 391.34 | 317.26 | 74.07 | 7,411.88 |
| 28 | 391.34 | 320.30 | 71.03 | 7,091.57 |
| 29 | 391.34 | 323.37 | 67.96 | 6,768.20 |
| 30 | 391.34 | 326.47 | 64.86 | 6,441.73 |
| 31 | 391.34 | 329.60 | 61.73 | 6,112.12 |
| 32 | 391.34 | 332.76 | 58.57 | 5,779.36 |
| 33 | 391.34 | 335.95 | 55.39 | 5,443.41 |
| 34 | 391.34 | 339.17 | 52.17 | 5,104.25 |
| 35 | 391.34 | 342.42 | 48.92 | 4,761.83 |
| 36 | 391.34 | 345.70 | 45.63 | 4,416.12 |
| 37 | 391.34 | 349.01 | 42.32 | 4,067.11 |
| 38 | 391.34 | 352.36 | 38.98 | 3,714.75 |
| 39 | 391.34 | 355.74 | 35.60 | 3,359.02 |
| 40 | 391.34 | 359.14 | 32.19 | 2,999.87 |
| 41 | 391.34 | 362.59 | 28.75 | 2,637.29 |
| 42 | 391.34 | 366.06 | 25.27 | 2,271.22 |
| 43 | 391.34 | 369.57 | 21.77 | 1,901.66 |
| 44 | 391.34 | 373.11 | 18.22 | 1,528.54 |
| 45 | 391.34 | 376.69 | 14.65 | 1,151.86 |
| 46 | 391.34 | 380.30 | 11.04 | 771.56 |
| 47 | 391.34 | 383.94 | 7.39 | 387.62 |
| 48 | 391.34 | 387.62 | 3.71 | 0.00 |