Loan principal
$25,000.00
Long-tail Landing
Loan Calculator
/loan-calculator/25000/7.9/60/1.5/150
Installment loan estimate over 60 months with origination fee and early-payoff projection.
Updated: 2/20/2026, 10:03:54 PM
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Quick scenarios
Open ready-made scenarios with one click.
Monthly payment
$505.71
Net disbursed
$24,625.00
Payoff with extra
3y 9m
Interest saved
$1,461.65
Effective annual rate
8.88%
Snapshot
- Origination fee (1.50%): $375.00
- Baseline interest: $5,342.85
- Baseline total cost (incl. fee): $30,717.85
- Total financing cost: $6,092.85
- Baseline payoff: 5y 0m
- Time saved: 15 months
- Cashflow-derived annualized rate: 8.88%
Amortization Schedule (Accelerated)
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 655.71 | 491.13 | 164.58 | 24,508.87 |
| 2 | 655.71 | 494.36 | 161.35 | 24,014.50 |
| 3 | 655.71 | 497.62 | 158.10 | 23,516.89 |
| 4 | 655.71 | 500.89 | 154.82 | 23,015.99 |
| 5 | 655.71 | 504.19 | 151.52 | 22,511.80 |
| 6 | 655.71 | 507.51 | 148.20 | 22,004.29 |
| 7 | 655.71 | 510.85 | 144.86 | 21,493.43 |
| 8 | 655.71 | 514.22 | 141.50 | 20,979.22 |
| 9 | 655.71 | 517.60 | 138.11 | 20,461.62 |
| 10 | 655.71 | 521.01 | 134.71 | 19,940.61 |
| 11 | 655.71 | 524.44 | 131.28 | 19,416.17 |
| 12 | 655.71 | 527.89 | 127.82 | 18,888.28 |
| 13 | 655.71 | 531.37 | 124.35 | 18,356.91 |
| 14 | 655.71 | 534.86 | 120.85 | 17,822.05 |
| 15 | 655.71 | 538.39 | 117.33 | 17,283.66 |
| 16 | 655.71 | 541.93 | 113.78 | 16,741.73 |
| 17 | 655.71 | 545.50 | 110.22 | 16,196.24 |
| 18 | 655.71 | 549.09 | 106.63 | 15,647.15 |
| 19 | 655.71 | 552.70 | 103.01 | 15,094.44 |
| 20 | 655.71 | 556.34 | 99.37 | 14,538.10 |
| 21 | 655.71 | 560.01 | 95.71 | 13,978.09 |
| 22 | 655.71 | 563.69 | 92.02 | 13,414.40 |
| 23 | 655.71 | 567.40 | 88.31 | 12,847.00 |
| 24 | 655.71 | 571.14 | 84.58 | 12,275.86 |
| 25 | 655.71 | 574.90 | 80.82 | 11,700.96 |
| 26 | 655.71 | 578.68 | 77.03 | 11,122.28 |
| 27 | 655.71 | 582.49 | 73.22 | 10,539.79 |
| 28 | 655.71 | 586.33 | 69.39 | 9,953.46 |
| 29 | 655.71 | 590.19 | 65.53 | 9,363.27 |
| 30 | 655.71 | 594.07 | 61.64 | 8,769.20 |
| 31 | 655.71 | 597.98 | 57.73 | 8,171.22 |
| 32 | 655.71 | 601.92 | 53.79 | 7,569.30 |
| 33 | 655.71 | 605.88 | 49.83 | 6,963.41 |
| 34 | 655.71 | 609.87 | 45.84 | 6,353.54 |
| 35 | 655.71 | 613.89 | 41.83 | 5,739.66 |
| 36 | 655.71 | 617.93 | 37.79 | 5,121.73 |
| 37 | 655.71 | 622.00 | 33.72 | 4,499.73 |
| 38 | 655.71 | 626.09 | 29.62 | 3,873.64 |
| 39 | 655.71 | 630.21 | 25.50 | 3,243.43 |
| 40 | 655.71 | 634.36 | 21.35 | 2,609.07 |
| 41 | 655.71 | 638.54 | 17.18 | 1,970.53 |
| 42 | 655.71 | 642.74 | 12.97 | 1,327.79 |
| 43 | 655.71 | 646.97 | 8.74 | 680.81 |
| 44 | 655.71 | 651.23 | 4.48 | 29.58 |
| 45 | 29.78 | 29.58 | 0.19 | 0.00 |