What interest calculation method does this tool use?

The tool uses compound monthly interest, which is the standard method applied by most consumer and commercial lenders.

Can I enter an annual rate instead of a monthly rate?

Yes. You can switch between monthly and annual input and the tool will convert automatically before calculating.

Will the result match my bank's exact offer?

Results are based on standard financial formulas. Banks may add fees, insurance, or processing charges not reflected here, so always confirm the final figure with your lender.

Can I save or print the payment schedule?

Yes, you can export the full installment schedule as a PDF directly from the results page.

Is this tool suitable for business loans?

Absolutely. Enter your commercial loan amount and the agreed interest rate to plan cash flow and evaluate financing terms.

Does this replace advice from a financial professional?

No. This tool is for informational purposes only and does not constitute professional financial advice. For significant financing decisions, please consult a qualified financial advisor or your bank.

Loan amortization calculator — Free Online

⚠️

This tool only performs calculations — it is not investment or financial advice. Rates and tax amounts change over time; verify with an official source (your bank, an accountant, or a licensed financial advisor) before acting.

Principal / Amount (₺)

Term (Months)

Interest Rate (%)

Credit Type (KKDF/BSMV auto)

Monthly Payment

₺10.348,39

Total Payment

₺124.180,74

Total Interest

₺24.180,74

Interest Burden

%24,2

💸 KKDF + BSMV Effective Interest Burden (Personal Loan)

KKDF (15% of interest)

₺3.627

BSMV (5% of interest)

₺1.209

Effective Total Repayment (principal + interest + KKDF + BSMV)

₺129.017

5% BSMV + 15% KKDF

Total Payment Breakdown

Principal₺100.000 (80,5%)

Interest₺24.181 (19,5%)

Monthly Payment Schedule12 months

Month	Payment	Principal	Interest	Balance
1	₺10.348,39	₺6.848,39	₺3.500,00	₺93.151,61
2	₺10.348,39	₺7.088,09	₺3.260,31	₺86.063,52
3	₺10.348,39	₺7.336,17	₺3.012,22	₺78.727,34
4	₺10.348,39	₺7.592,94	₺2.755,46	₺71.134,41
5	₺10.348,39	₺7.858,69	₺2.489,70	₺63.275,72
6	₺10.348,39	₺8.133,74	₺2.214,65	₺55.141,97
7	₺10.348,39	₺8.418,43	₺1.929,97	₺46.723,55
8	₺10.348,39	₺8.713,07	₺1.635,32	₺38.010,47
9	₺10.348,39	₺9.018,03	₺1.330,37	₺28.992,45
10	₺10.348,39	₺9.333,66	₺1.014,74	₺19.658,79
11	₺10.348,39	₺9.660,34	₺688,06	₺9.998,45
12	₺10.348,39	₺9.998,45	₺349,95	₺0,00
Total	₺124.180,74	₺100.000,00	₺24.180,74	—

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💰 This tool is not financial advice — it is only a calculation aid. For investment decisions, consult a licensed investment advisor. Past performance does not guarantee future returns.

Loan Amortization Calculator

📖 How to Use