Wave 1 Tool

Loan Calculator

Advanced installment loan estimate with origination fee and early-payoff projection over 48 months.

Updated: 20/02/2026, 20:45:51

Tool Controls

Configure advanced parameters and run full calculations.

Loan amount

APR %

Term (months)

Origination fee %

Extra payment/month

Open ready-made scenarios with one click.

Loan principal

$15,000.00

Monthly payment

$391.34

Net disbursed

$14,700.00

Payoff with extra

4y 0m

Interest saved

$0.00

Approx effective APR

7.46%

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