What the tool does, how to run it, and what to expect from the result.
Calculate the monthly payment and total interest on a business loan, and the real APR once the origination fee is taken out of the money you receive. The math updates instantly and runs on your device, so it is fast, private, and available offline.
A quick way to understand who this helps, what it solves, and where it connects next.
Shoppers, students, freelancers, and anyone who needs a quick, private calculation.
Fast everyday math without a spreadsheet, app install, or sign-up.
Short answers for the questions people usually have before trying a utility like this.
Yes. It is completely free, with no sign-up, no watermark, and no usage limits.
No. Amounts are currency-neutral and use the same unit across all inputs, so it works in any country.
The fee is usually deducted from the loan, so you receive less but repay the full amount. On $100,000 at 9.5% for 5 years with a 2% fee, you get $98,000 and pay $2,100.19 a month, which is a real APR of about 10.37%.
Yes for the payment: enter the SBA rate, term and guarantee fee as the origination fee. SBA 7(a) loans often have variable rates, so the payment can change over time.
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Enter your numbers and the result updates live in your browser. Nothing is uploaded and no server is used.
Calculations run locally in your browser. Amounts are shown without a currency symbol so they work anywhere.