How accurate are the calculations?

The calculator uses standard equal-installment (annuity) and declining-balance methods to produce mathematically precise results. Additional bank fees such as origination charges, insurance, or commissions are not included and should be factored in separately.

Can I use this for foreign currency loans?

Yes. You can manually enter the principal and rate in any currency, and the table will reflect the correct payment structure. Currency conversion is not performed automatically.

What is the difference between fixed and variable rate loans?

A fixed-rate loan keeps the same monthly payment throughout the term. A variable-rate loan may change as market rates shift. This calculator uses fixed-rate logic, so for variable-rate products treat the result as an estimate.

Does the amortization table show early repayment costs?

You can simulate early repayment by entering the remaining balance as the principal and reducing the term. If your lender charges an early repayment fee, add that figure to get the true cost.

Does this tool replace financial advice?

No. This tool is for informational and planning purposes only. It does not constitute professional financial, legal, or accounting advice. Please consult a qualified financial advisor before making any borrowing decisions.

Can I save or share my results?

Yes. Once calculated, you can export your full amortization schedule as a PDF or Excel file and share it with your accountant, bank manager, or business partner.

Commercial loan calc — Free Online

⚠️

This tool only performs calculations and is NOT investment or financial advice. Rates/taxes change; verify with official sources (bank, accountant, SPK-licensed advisor) before acting.

Last verified: 2026-07-12 — example rates, edit freely to match your actual offer.

Loan Amount (₺)

Term (months)

Annual Interest Rate (%)

Fees & Expenses (₺)

Monthly Payment

₺24.642,08

Total Payment₺887.114,93

Total Interest₺387.114,93

Total Cost (incl. fees)₺892.114,93

Effective Annual Rate%26.14

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Commercial Loan Calculator

📖 How to Use