How do I read the amortization table?

Each row shows, for one installment, the principal paid, the interest paid, and the remaining balance. Early payments are interest-heavy while later ones are principal-heavy, so your balance shrinks faster toward the end of the term.

What is the total interest figure and why does it matter?

It's the sum of all interest paid over the life of the loan and reflects the true cost of borrowing. Stretching the term lowers the monthly payment but noticeably increases the total interest you pay.

Should I enter a monthly or annual interest rate?

Enter the rate in the format the field asks for; typically a nominal annual rate is expected and the tool divides it into a per-period monthly rate. If your lender quoted a monthly rate, convert it to annual or check the field label to avoid skewed results.

How can I compare a shorter term against a longer one?

Change the number of installments and recalculate to compare scenarios side by side: more installments mean a lower monthly payment but higher total interest. Because the tool shows both numbers, you can quickly pick the most balanced term.

Does the calculation include taxes, insurance, or origination fees?

No. The tool computes the core principal-and-interest amortization; lender-added items such as taxes, insurance, or origination fees are not part of the standard result. Your effective annual cost (APR) may be higher once those charges are included.

Why does my bank's installment amount differ from this estimate?

Common reasons are rounding methods, accrued interest for the days before the first payment, and bank-added taxes or fees. This tool uses the equal-installment (annuity) method, so figures can deviate if your lender uses a different approach.

Are these results official, and can I rely on them for a loan decision?

No; results are estimates for informational purposes only. For the binding payment schedule, interest, and total repayment, rely on your lender's written offer and current regulations, and consult a financial professional if needed.

Loan amortization calculator — Free Online

⚠️

Bu araç yalnızca hesaplama yapar; yatırım veya finansal tavsiye değildir. Oranlar ve vergi tutarları zamanla değişir; işlem yapmadan önce resmi kaynaktan (banka, muhasebeci, SPK lisanslı danışman) doğrulayın.

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 Efektif Faiz Yükü (İhtiyaç Kredisi)

KKDF (%15 faiz üzeri)

₺3.627

BSMV (%5 faiz üzeri)

₺1.209

Efektif Toplam Geri Ödeme (anapara + faiz + KKDF + BSMV)

₺129.017

BSMV %5 + KKDF %15

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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💰 Bu araç finansal danışmanlık değildir, sadece hesaplama yardımcısıdır. Yatırım kararları için SPK lisanslı bir yatırım danışmanına başvurun. Geçmiş performans gelecek getiriyi garanti etmez.

Frequently asked questions

You enter the loan principal, the annual interest rate, and the number of installments; the tool computes a fixed monthly payment and shows how each payment splits between principal and interest. It outputs a full amortization table plus the total interest you'll pay.

Loan Amortization Calculator

📖 How to Use

Frequently asked questions