Finance
Student Loan Calculator
Model monthly payments for student loans with deferment/grace, capitalization at repayment, autopay discount, and extra principal. Export a full amortization schedule — all in your browser.
Plan Payments & Amortization (Client-side)
Client-side onlyFinanceFast & private
Inputs
$
Annual, fixed
%
Years (repayment phase)
Months before repayment
Interest-only vs. no payments
-0.25% APR when on
Added to each monthly payment
$
First month of timeline
Results
Accrued during deferment
$0.00
Principal at repayment
$28,000.00
Monthly payment (repayment phase)
$314.38
Number of payments
120
Total paid
$38,600.58
Total interest
$10,601.28
How to use
- Enter loan amount, APR, and repayment term (years).
- Choose a deferment/grace period. Decide to pay interest during deferment (interest-only) or let it accrue.
- If you don’t pay interest during deferment, choose whether to capitalize accrued interest when repayment begins.
- Toggle Autopay if your servicer offers a rate discount (applies −0.25% APR).
- Optionally add extra principal each month to pay off faster. View or export the amortization CSV.