Loan Margin Calculator

Calculate the total loan cost including margin, interest rate, and loan amount to understand your complete repayment structure

Input Parameters

Calculation Results

Calculation Formula

Total Monthly Payment = [Loan Amount × (1 + Margin)] × [Interest Rate + Margin] ÷ [1 - (1 + Interest Rate + Margin)^(-Loan Term)]

Where:
Loan Amount: The principal amount borrowed
Interest Rate: Annual interest percentage
Margin: Additional fee percentage
Loan Term: Total number of monthly payments

Total Loan Amount: $10,000.00
Total Interest Cost: $1,680.00
Total Margin Cost: $150.00
Total Cost: $11,830.00
Monthly Payment: $330.00

Loan Margin Calculator Calculator Usage Guide

Learn how to use the Loan Margin Calculator and understand the components of your loan

How to Use This Calculator

  1. Enter the Loan Amount - the principal amount you wish to borrow
  2. Input the Interest Rate - the annual percentage rate charged by the lender
  3. Set the Loan Term - how long you'll have to repay the loan (in months)
  4. Specify the Loan Margin - an additional percentage fee added to the loan amount
  5. Click the Calculate button to see your complete loan breakdown

Understanding the Terms

The Loan Margin is a fee added to the loan amount by some lenders. Unlike interest, which is based on the borrowed amount, margin is typically a fixed percentage of the principal that you pay in addition to interest. This calculator shows you the total cost of these additional fees over the life of the loan.

Example

For a $10,000 loan with a 5% interest rate, 36-month term, and 1.5% margin:

  • Your monthly payment would be $330.00
  • Total interest paid over the life of the loan would be $1,680.00
  • Total margin cost would be $150.00
  • Total repayment amount would be $11,830.00

Note: This calculator provides a basic estimation. Actual loan terms may vary based on lender policies and other factors.