{"product_id":"loan","title":"Loan Calculator","description":"\u003cstyle\u003e\n.loan-calculator{--ink:#0f172a;--muted:#475569;--border:#e2e8f0;--surface:#ffffff;--tint:#f8fafc;--primary:#1d4ed8;--accent:#c2410c;--accent-hover:#9a3412;--chart-1:#1e40af;--chart-2:#0d9488;--chart-3:#7c3aed;--chart-4:#be185d;--chart-5:#334155;--danger:#b91c1c;--success:#166534;--focus:#2563eb;container-type:inline-size;width:100%;max-width:1200px;margin:0 auto;color:var(--ink);background:var(--surface);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",sans-serif;font-size:15px;line-height:1.55;border:1px solid var(--border);border-radius:8px;box-shadow:0 1px 2px rgba(15,23,42,.06)}\n.loan-calculator,.loan-calculator *,.loan-calculator *::before,.loan-calculator *::after{box-sizing:border-box}\n.loan-calculator *{min-width:0}\n.loan-calculator h2,.loan-calculator h3,.loan-calculator p{margin-top:0}\n.loan-calculator h2{font-size:24px;line-height:1.25;font-weight:700;letter-spacing:-.01em;margin-bottom:8px}\n.loan-calculator h3{font-size:18px;line-height:1.35;font-weight:650;margin-bottom:12px}\n.loan-calculator a{color:var(--primary);text-underline-offset:2px}\n.loan-calculator a:hover{color:#1e40af}\n.loan-header{padding:24px 24px 16px;border-bottom:1px solid var(--border);background:linear-gradient(180deg,#fff 0%,var(--tint) 100%);border-radius:8px 8px 0 0}\n.loan-header-copy{color:var(--muted);max-width:760px;margin-bottom:16px}\n.loan-pills{display:flex;flex-wrap:wrap;gap:8px}\n.loan-pill{display:inline-flex;align-items:center;gap:8px;min-height:32px;padding:6px 10px;border:1px solid var(--border);border-radius:999px;background:var(--surface);font-size:13px;font-weight:600;color:var(--muted);box-shadow:0 1px 2px rgba(15,23,42,.04)}\n.loan-pill strong{color:var(--ink);font-variant-numeric:tabular-nums}\n.loan-toolbar{display:flex;flex-wrap:wrap;align-items:center;gap:12px;padding:16px 24px;border-bottom:1px solid var(--border);background:var(--surface)}\n.loan-button{appearance:none;border:1px solid transparent;border-radius:6px;min-height:46px;padding:12px 18px;font:600 15px\/1 ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",sans-serif;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;gap:10px;transition:background-color .15s ease,border-color .15s ease,box-shadow .15s ease,transform .05s ease;white-space:nowrap}\n.loan-button:focus-visible,.loan-calculator input:focus-visible,.loan-calculator select:focus-visible,.loan-segment-button:focus-visible,.loan-details summary:focus-visible{outline:3px solid rgba(37,99,235,.35);outline-offset:2px}\n.loan-button:active{transform:translateY(1px)}\n.loan-download{background:var(--accent);color:#fff;border-color:var(--accent)}\n.loan-download:hover{background:var(--accent-hover);border-color:var(--accent-hover);box-shadow:0 2px 4px rgba(15,23,42,.16)}\n.loan-download-icon{width:18px;height:18px;display:block;flex:0 0 auto}\n.loan-reset{background:#fff;color:var(--ink);border-color:#cbd5e1}\n.loan-reset:hover{background:var(--tint);border-color:#94a3b8;box-shadow:0 2px 4px rgba(15,23,42,.10)}\n.loan-status{font-size:13px;font-weight:600;color:var(--muted);min-height:20px}\n.loan-workspace{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(340px,.98fr);gap:24px;padding:24px;background:var(--tint);align-items:start}\n.loan-panel{background:var(--surface);border:1px solid var(--border);border-radius:8px;padding:20px;box-shadow:0 1px 2px rgba(15,23,42,.04)}\n.loan-section-heading{display:flex;align-items:center;justify-content:flex-start;gap:10px;margin-bottom:16px}\n.loan-section-heading h3{margin-bottom:0}\n.loan-field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}\n.loan-field{display:flex;flex-direction:column;gap:7px;min-width:0}\n.loan-field.loan-span-2{grid-column:1\/-1}\n.loan-label,.loan-fieldset legend{font-size:14px;line-height:1.35;font-weight:600;color:var(--ink)}\n.loan-helper{font-size:13px;line-height:1.4;font-weight:500;color:var(--muted);min-height:36px}\n.loan-control-wrap{position:relative;display:flex;align-items:center;min-width:0}\n.loan-control-wrap input,.loan-calculator select{width:100%;min-height:44px;border:1px solid #cbd5e1;border-radius:6px;background:#fff;color:var(--ink);font:400 15px\/1.2 ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",sans-serif;padding:10px 12px;box-shadow:inset 0 1px 1px rgba(15,23,42,.03);font-variant-numeric:tabular-nums}\n.loan-control-wrap.loan-has-prefix input{padding-left:30px}\n.loan-control-wrap.loan-has-suffix input{padding-right:34px}\n.loan-adornment{position:absolute;z-index:1;color:var(--muted);font-weight:600;pointer-events:none}\n.loan-prefix{left:12px}\n.loan-suffix{right:12px}\n.loan-error{font-size:13px;line-height:1.35;font-weight:600;color:var(--danger);min-height:18px}\n.loan-calculator input[aria-invalid=\"true\"],.loan-calculator select[aria-invalid=\"true\"]{border-color:var(--danger);box-shadow:0 0 0 1px var(--danger)}\n.loan-fieldset{border:0;padding:0;margin:0;display:flex;flex-direction:column;gap:8px}\n.loan-segment{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:4px;padding:4px;border:1px solid #cbd5e1;border-radius:6px;background:var(--tint)}\n.loan-segment-button{appearance:none;border:0;border-radius:4px;min-height:36px;padding:8px 10px;background:transparent;color:var(--muted);font:600 13px\/1 ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,\"Segoe UI\",sans-serif;cursor:pointer}\n.loan-segment-button[aria-pressed=\"true\"]{background:#fff;color:var(--primary);box-shadow:0 1px 2px rgba(15,23,42,.10)}\n.loan-details{margin-top:18px;border-top:1px solid var(--border);padding-top:16px}\n.loan-details summary{cursor:pointer;font-size:14px;font-weight:650;color:var(--primary);list-style-position:outside;margin-left:18px}\n.loan-details-content{padding-top:16px}\n.loan-results-panel{display:flex;flex-direction:column;gap:16px}\n.loan-primary-result{padding:20px;border:1px solid #bfdbfe;border-radius:8px;background:#eff6ff}\n.loan-primary-label{font-size:13px;font-weight:650;color:#1e3a8a;margin-bottom:4px}\n.loan-primary-value{font-size:30px;line-height:1.1;font-weight:700;color:#172554;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}\n.loan-primary-sub{margin-top:8px;color:#1e3a8a;font-size:13px;font-weight:500}\n.loan-result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}\n.loan-result-card{border:1px solid var(--border);border-radius:8px;background:#fff;padding:14px;display:flex;flex-direction:column;gap:5px;min-height:104px}\n.loan-result-label{font-size:13px;font-weight:600;color:var(--muted)}\n.loan-result-value{font-size:20px;line-height:1.25;font-weight:700;color:var(--ink);font-variant-numeric:tabular-nums;overflow-wrap:anywhere}\n.loan-result-note{font-size:13px;font-weight:500;color:var(--muted)}\n.loan-live{font-size:13px;color:var(--muted);padding:10px 12px;background:var(--tint);border:1px solid var(--border);border-radius:6px}\n.loan-section{padding:0 24px 24px;background:var(--tint)}\n.loan-card{background:var(--surface);border:1px solid var(--border);border-radius:8px;padding:20px;box-shadow:0 1px 2px rgba(15,23,42,.04)}\n.loan-card-head{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:16px}\n.loan-card-head h3{margin-bottom:4px}\n.loan-card-head p{margin-bottom:0;color:var(--muted);font-size:13px;font-weight:500;max-width:680px}\n.loan-chart-card{display:flex;flex-direction:column;gap:16px}\n.loan-breakdown-cluster{display:grid;grid-template-columns:minmax(260px,320px) minmax(0,480px);justify-content:center;align-items:center;gap:24px;max-width:840px;margin:0 auto}\n.loan-donut-wrap{width:min(100%,320px);aspect-ratio:1\/1;position:relative;display:grid;place-items:center;margin:0 auto}\n.loan-donut-svg{width:100%;height:100%;display:block}\n.loan-donut-center{position:absolute;inset:50% auto auto 50%;transform:translate(-50%,-50%);width:52%;text-align:center;pointer-events:none}\n.loan-donut-center-label{display:block;font-size:13px;font-weight:600;color:var(--muted)}\n.loan-donut-center-value{display:block;font-size:20px;line-height:1.2;font-weight:700;color:var(--ink);font-variant-numeric:tabular-nums;overflow-wrap:anywhere}\n.loan-empty{display:none;padding:16px;border:1px dashed #94a3b8;border-radius:6px;background:var(--tint);color:var(--muted);font-size:13px;font-weight:600;text-align:center}\n.loan-legend{display:grid;gap:8px;align-content:start}\n.loan-legend-row{display:grid;grid-template-columns:12px minmax(90px,max-content) max-content max-content;align-items:center;justify-content:start;column-gap:12px;row-gap:4px;font-size:13px;color:var(--muted)}\n.loan-swatch{width:12px;height:12px;border-radius:3px;border:1px solid rgba(15,23,42,.18)}\n.loan-legend-name{font-weight:600;color:var(--ink)}\n.loan-legend-value,.loan-legend-percent{font-weight:650;color:var(--ink);font-variant-numeric:tabular-nums;white-space:nowrap}\n.loan-chart-summary-overflow{width:100%;overflow-x:auto;margin-top:8px}\n.loan-chart-summary-table{width:100%;border-collapse:collapse;font-size:13px}\n.loan-chart-summary-table th,.loan-chart-summary-table td{padding:8px 6px;border-bottom:1px solid var(--border);text-align:left}\n.loan-chart-summary-table th{font-weight:650;color:var(--muted)}\n.loan-chart-summary-table td:last-child,.loan-chart-summary-table th:last-child{text-align:right;font-variant-numeric:tabular-nums}\n.loan-callout{margin-top:16px;padding:10px 12px;border:1px solid #dbeafe;border-radius:6px;background:#eff6ff;color:#1e3a8a;font-size:13px;font-weight:500}\n.loan-safe-stack .loan-breakdown-cluster{grid-template-columns:1fr;gap:16px}\n.loan-safe-stack .loan-legend{margin-top:0}\n.loan-line-plot{width:100%;max-width:960px;margin:0 auto}\n.loan-line-svg{display:block;width:100%;height:auto;min-height:300px}\n.loan-line-legend{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 20px;margin-top:16px}\n.loan-line-legend-item{display:inline-grid;grid-template-columns:16px max-content;align-items:center;gap:8px;font-size:13px;font-weight:600;color:var(--ink)}\n.loan-line-key{width:16px;height:4px;border-radius:999px}\n.loan-line-summary{display:grid;grid-template-columns:repeat(3,minmax(0,max-content));justify-content:center;gap:8px 20px;margin-top:16px;font-size:13px;color:var(--muted)}\n.loan-line-summary strong{color:var(--ink);font-variant-numeric:tabular-nums}\n.loan-table-controls{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin-bottom:16px}\n.loan-table-overflow{width:100%;overflow-x:auto;border:1px solid var(--border);border-radius:6px;background:#fff}\n.loan-table{width:100%;min-width:780px;border-collapse:collapse;font-size:13px;font-variant-numeric:tabular-nums}\n.loan-table th,.loan-table td{padding:10px 12px;border-bottom:1px solid var(--border);text-align:right;white-space:nowrap}\n.loan-table th{background:#f1f5f9;color:var(--ink);font-weight:650}\n.loan-table th:first-child,.loan-table td:first-child{text-align:left}\n.loan-table tbody tr:hover{background:#f8fafc}\n.loan-table tbody tr:last-child td{border-bottom:0;font-weight:650}\n.loan-table-note{margin-top:16px;padding:10px 12px;border:1px solid var(--border);border-radius:6px;background:var(--tint);font-size:13px;font-weight:500;color:var(--muted)}\n.loan-safe-table-stack .loan-table-note{margin-top:20px}\n.loan-education{padding:24px;background:#fff;border-top:1px solid var(--border);border-radius:0 0 8px 8px}\n.loan-education-inner{max-width:920px;margin:0 auto}\n.loan-education h2{margin-top:28px;margin-bottom:12px;font-size:22px}\n.loan-education h2:first-child{margin-top:0}\n.loan-education h3{margin-top:20px;margin-bottom:8px;font-size:17px}\n.loan-education p{color:#334155;margin-bottom:14px}\n.loan-education ul{margin:0 0 16px 20px;padding:0;color:#334155}\n.loan-education li{margin-bottom:8px}\n.loan-hidden{display:none!important}\n.loan-color-1{background:var(--chart-1)}\n.loan-color-2{background:var(--chart-2)}\n.loan-color-3{background:var(--chart-3)}\n.loan-color-4{background:var(--chart-4)}\n.loan-color-5{background:var(--chart-5)}\n@container (max-width:899px){.loan-workspace{grid-template-columns:1fr}.loan-results-panel{order:2}}\n@container (max-width:639px){.loan-header,.loan-toolbar,.loan-workspace,.loan-section,.loan-education{padding-left:16px;padding-right:16px}.loan-workspace{gap:16px}.loan-panel,.loan-card{padding:16px}.loan-field-grid{grid-template-columns:1fr}.loan-field.loan-span-2{grid-column:auto}.loan-result-grid{grid-template-columns:1fr}.loan-breakdown-cluster{grid-template-columns:1fr;gap:16px}.loan-legend{justify-content:center}.loan-legend-row{grid-template-columns:12px minmax(80px,max-content) max-content;column-gap:8px}.loan-legend-percent{grid-column:2\/4;padding-left:0}.loan-line-summary{grid-template-columns:1fr;justify-items:center}.loan-card-head{display:block}.loan-card-head p{margin-top:6px}.loan-primary-value{font-size:28px}.loan-line-svg{min-height:260px}}\n@media (max-width:899px){.loan-workspace{grid-template-columns:1fr}}\n@media (max-width:639px){.loan-header,.loan-toolbar,.loan-workspace,.loan-section,.loan-education{padding-left:16px;padding-right:16px}.loan-field-grid{grid-template-columns:1fr}.loan-result-grid{grid-template-columns:1fr}.loan-breakdown-cluster{grid-template-columns:1fr}}\n\u003c\/style\u003e\n\u003cdiv class=\"loan-calculator\" data-calculator-root\u003e\n  \u003cheader class=\"loan-header\"\u003e\n    \u003ch2\u003eLoan Calculator\u003c\/h2\u003e\n    \u003cp class=\"loan-header-copy\"\u003eEstimate periodic payments, borrowing costs, APR, fee impact, and a complete amortization schedule for a fixed-rate installment loan.\u003c\/p\u003e\n    \u003cdiv class=\"loan-pills\" aria-label=\"Live loan summary\"\u003e\n      \u003cspan class=\"loan-pill\"\u003ePayment \u003cstrong data-loan-pill-payment\u003e$169.10\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"loan-pill\"\u003eAPR \u003cstrong data-loan-pill-apr\u003e10.31%\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"loan-pill\"\u003eFinance charge \u003cstrong data-loan-pill-finance\u003e$3,175.33\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"loan-pill\"\u003ePayments \u003cstrong data-loan-pill-count\u003e72\u003c\/strong\u003e\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/header\u003e\n  \u003cdiv class=\"loan-toolbar\"\u003e\n    \u003cbutton class=\"loan-button loan-download\" type=\"button\" data-loan-download\u003e\n      \u003csvg class=\"loan-download-icon\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"\u003e\u003cpath fill=\"currentColor\" d=\"M5 3h10l4 4v14H5V3Zm9 2v3h3l-3-3ZM8 12h3V9h2v3h3l-4 4-4-4Zm1 6h6v-2H9v2Z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n      \u003cspan\u003eDownload Excel\u003c\/span\u003e\n    \u003c\/button\u003e\n    \u003cbutton class=\"loan-button loan-reset\" type=\"button\" data-loan-reset\u003eReset\u003c\/button\u003e\n    \u003cspan class=\"loan-status\" data-loan-status aria-live=\"polite\"\u003e\u003c\/span\u003e\n  \u003c\/div\u003e\n  \u003cdiv class=\"loan-workspace\"\u003e\n    \u003csection class=\"loan-panel\" aria-labelledby=\"loan-inputs-title\"\u003e\n      \u003cdiv class=\"loan-section-heading\"\u003e\u003ch3 id=\"loan-inputs-title\"\u003eLoan specifications\u003c\/h3\u003e\u003c\/div\u003e\n      \u003cdiv class=\"loan-field-grid\"\u003e\n        \u003cdiv class=\"loan-field loan-span-2\"\u003e\n          \u003clabel class=\"loan-label\" for=\"loan-rate-mode\"\u003eWhat rate information do you know?\u003c\/label\u003e\n          \u003cselect id=\"loan-rate-mode\" data-loan-input=\"rateMode\"\u003e\n            \u003coption value=\"nominal\" selected\u003eNominal interest rate\u003c\/option\u003e\n            \u003coption value=\"apr\"\u003eAdvertised APR\u003c\/option\u003e\n            \u003coption value=\"both\"\u003eBoth APR and interest rate\u003c\/option\u003e\n            \u003coption value=\"payment\"\u003eNeither rate — periodic payment is known\u003c\/option\u003e\n          \u003c\/select\u003e\n          \u003cdiv class=\"loan-helper\"\u003eChoose the information supplied by the lender. The calculator fills in the remaining rate measures.\u003c\/div\u003e\n          \u003cdiv class=\"loan-error\" data-loan-error=\"rateMode\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"loan-field\" data-loan-field=\"nominalRate\"\u003e\n          \u003clabel class=\"loan-label\" for=\"loan-interest-rate\"\u003eNominal interest rate\u003c\/label\u003e\n          \u003cdiv class=\"loan-control-wrap loan-has-suffix\"\u003e\n\u003cinput id=\"loan-interest-rate\" type=\"text\" inputmode=\"decimal\" value=\"5\" data-loan-input=\"nominalRate\" aria-describedby=\"loan-interest-rate-help loan-interest-rate-error\"\u003e\u003cspan class=\"loan-adornment loan-suffix\"\u003e%\u003c\/span\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"loan-helper\" id=\"loan-interest-rate-help\"\u003eQuoted annual rate before fee effects.\u003c\/div\u003e\n          \u003cdiv class=\"loan-error\" id=\"loan-interest-rate-error\" data-loan-error=\"nominalRate\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"loan-field loan-hidden\" data-loan-field=\"advertisedApr\"\u003e\n          \u003clabel class=\"loan-label\" for=\"loan-advertised-apr\"\u003eAdvertised APR\u003c\/label\u003e\n          \u003cdiv class=\"loan-control-wrap loan-has-suffix\"\u003e\n\u003cinput id=\"loan-advertised-apr\" type=\"text\" inputmode=\"decimal\" value=\"10\" data-loan-input=\"advertisedApr\" aria-describedby=\"loan-advertised-apr-help loan-advertised-apr-error\"\u003e\u003cspan class=\"loan-adornment loan-suffix\"\u003e%\u003c\/span\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"loan-helper\" id=\"loan-advertised-apr-help\"\u003eAnnual rate disclosed for comparison.\u003c\/div\u003e\n          \u003cdiv class=\"loan-error\" id=\"loan-advertised-apr-error\" data-loan-error=\"advertisedApr\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"loan-field loan-hidden\" data-loan-field=\"knownPayment\"\u003e\n          \u003clabel class=\"loan-label\" for=\"loan-known-payment\"\u003ePeriodic payment\u003c\/label\u003e\n          \u003cdiv class=\"loan-control-wrap loan-has-prefix\"\u003e\n\u003cspan class=\"loan-adornment loan-prefix\"\u003e$\u003c\/span\u003e\u003cinput id=\"loan-known-payment\" type=\"text\" inputmode=\"decimal\" value=\"169.10\" data-loan-input=\"knownPayment\" aria-describedby=\"loan-known-payment-help loan-known-payment-error\"\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"loan-helper\" id=\"loan-known-payment-help\"\u003eRequired payment for each selected period.\u003c\/div\u003e\n          \u003cdiv class=\"loan-error\" id=\"loan-known-payment-error\" data-loan-error=\"knownPayment\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"loan-field\"\u003e\n          \u003clabel class=\"loan-label\" for=\"loan-compound-frequency\"\u003eCompound frequency\u003c\/label\u003e\n          \u003cselect id=\"loan-compound-frequency\" data-loan-input=\"compoundFrequency\"\u003e\n            \u003coption value=\"1\"\u003eYearly\u003c\/option\u003e\n            \u003coption value=\"2\"\u003eSemi-annually\u003c\/option\u003e\n            \u003coption value=\"4\"\u003eQuarterly\u003c\/option\u003e\n            \u003coption value=\"12\" selected\u003eMonthly\u003c\/option\u003e\n          \u003c\/select\u003e\n          \u003cdiv class=\"loan-helper\"\u003eHow often the nominal rate compounds.\u003c\/div\u003e\n          \u003cdiv class=\"loan-error\" data-loan-error=\"compoundFrequency\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"loan-field\"\u003e\n          \u003clabel class=\"loan-label\" for=\"loan-amount\"\u003eLoan amount\u003c\/label\u003e\n          \u003cdiv class=\"loan-control-wrap loan-has-prefix\"\u003e\n\u003cspan class=\"loan-adornment loan-prefix\"\u003e$\u003c\/span\u003e\u003cinput id=\"loan-amount\" type=\"text\" inputmode=\"decimal\" value=\"10,000.00\" data-loan-input=\"loanAmount\" aria-describedby=\"loan-amount-help loan-amount-error\"\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"loan-helper\" id=\"loan-amount-help\"\u003ePrincipal stated in the loan agreement.\u003c\/div\u003e\n          \u003cdiv class=\"loan-error\" id=\"loan-amount-error\" data-loan-error=\"loanAmount\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"loan-field\"\u003e\n          \u003clabel class=\"loan-label\" for=\"loan-term\"\u003eLoan term\u003c\/label\u003e\n          \u003cdiv class=\"loan-control-wrap\"\u003e\u003cinput id=\"loan-term\" type=\"text\" inputmode=\"decimal\" value=\"6\" data-loan-input=\"term\" aria-describedby=\"loan-term-help loan-term-error\"\u003e\u003c\/div\u003e\n          \u003cfieldset class=\"loan-fieldset\"\u003e\n\u003clegend class=\"loan-label\"\u003eTerm unit\u003c\/legend\u003e\n\u003cdiv class=\"loan-segment\" data-loan-term-segment\u003e\n\u003cbutton class=\"loan-segment-button\" type=\"button\" data-loan-term-unit=\"years\" aria-pressed=\"true\"\u003eYears\u003c\/button\u003e\u003cbutton class=\"loan-segment-button\" type=\"button\" data-loan-term-unit=\"months\" aria-pressed=\"false\"\u003eMonths\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/fieldset\u003e\n          \u003cdiv class=\"loan-helper\" id=\"loan-term-help\"\u003eRepayment horizon; changing units converts the value.\u003c\/div\u003e\n          \u003cdiv class=\"loan-error\" id=\"loan-term-error\" data-loan-error=\"term\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"loan-field\"\u003e\n          \u003clabel class=\"loan-label\" for=\"loan-payment-frequency\"\u003ePayment frequency\u003c\/label\u003e\n          \u003cselect id=\"loan-payment-frequency\" data-loan-input=\"paymentFrequency\"\u003e\n            \u003coption value=\"4\"\u003eQuarterly\u003c\/option\u003e\n            \u003coption value=\"12\" selected\u003eMonthly\u003c\/option\u003e\n            \u003coption value=\"26\"\u003eBi-weekly\u003c\/option\u003e\n            \u003coption value=\"52\"\u003eWeekly\u003c\/option\u003e\n          \u003c\/select\u003e\n          \u003cdiv class=\"loan-helper\"\u003eNumber of scheduled payments each year.\u003c\/div\u003e\n          \u003cdiv class=\"loan-error\" data-loan-error=\"paymentFrequency\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdetails class=\"loan-details\" open\u003e\n        \u003csummary\u003eAdditional fees\u003c\/summary\u003e\n        \u003cdiv class=\"loan-details-content loan-field-grid\"\u003e\n          \u003cdiv class=\"loan-field\"\u003e\n            \u003clabel class=\"loan-label\" for=\"loan-prepaid-fee\"\u003ePrepaid fee\u003c\/label\u003e\n            \u003cdiv class=\"loan-control-wrap loan-has-prefix\"\u003e\n\u003cspan class=\"loan-adornment loan-prefix\"\u003e$\u003c\/span\u003e\u003cinput id=\"loan-prepaid-fee\" type=\"text\" inputmode=\"decimal\" value=\"200.00\" data-loan-input=\"prepaidFee\" aria-describedby=\"loan-prepaid-help loan-prepaid-error\"\u003e\n\u003c\/div\u003e\n            \u003cdiv class=\"loan-helper\" id=\"loan-prepaid-help\"\u003ePaid separately at or near closing.\u003c\/div\u003e\n            \u003cdiv class=\"loan-error\" id=\"loan-prepaid-error\" data-loan-error=\"prepaidFee\"\u003e\u003c\/div\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"loan-field\"\u003e\n            \u003clabel class=\"loan-label\" for=\"loan-loaned-fee\"\u003eLoaned fee\u003c\/label\u003e\n            \u003cdiv class=\"loan-control-wrap loan-has-prefix\"\u003e\n\u003cspan class=\"loan-adornment loan-prefix\"\u003e$\u003c\/span\u003e\u003cinput id=\"loan-loaned-fee\" type=\"text\" inputmode=\"decimal\" value=\"500.00\" data-loan-input=\"loanedFee\" aria-describedby=\"loan-loaned-help loan-loaned-error\"\u003e\n\u003c\/div\u003e\n            \u003cdiv class=\"loan-helper\" id=\"loan-loaned-help\"\u003eRolled into the balance and charged interest.\u003c\/div\u003e\n            \u003cdiv class=\"loan-error\" id=\"loan-loaned-error\" data-loan-error=\"loanedFee\"\u003e\u003c\/div\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"loan-field\"\u003e\n            \u003clabel class=\"loan-label\" for=\"loan-origination-rate\"\u003eOrigination fee\u003c\/label\u003e\n            \u003cdiv class=\"loan-control-wrap loan-has-suffix\"\u003e\n\u003cinput id=\"loan-origination-rate\" type=\"text\" inputmode=\"decimal\" value=\"8\" data-loan-input=\"originationRate\" aria-describedby=\"loan-origin-rate-help loan-origin-rate-error\"\u003e\u003cspan class=\"loan-adornment loan-suffix\"\u003e%\u003c\/span\u003e\n\u003c\/div\u003e\n            \u003cdiv class=\"loan-helper\" id=\"loan-origin-rate-help\"\u003ePercentage of the stated loan amount.\u003c\/div\u003e\n            \u003cdiv class=\"loan-error\" id=\"loan-origin-rate-error\" data-loan-error=\"originationRate\"\u003e\u003c\/div\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"loan-field\"\u003e\n            \u003clabel class=\"loan-label\" for=\"loan-origination-repayment\"\u003eOrigination fee repayment\u003c\/label\u003e\n            \u003cselect id=\"loan-origination-repayment\" data-loan-input=\"originationRepayment\"\u003e\n              \u003coption value=\"deduct\" selected\u003eDeduct from loan proceeds\u003c\/option\u003e\n              \u003coption value=\"roll\"\u003eRoll into the loan\u003c\/option\u003e\n              \u003coption value=\"cash\"\u003ePay out of pocket\u003c\/option\u003e\n            \u003c\/select\u003e\n            \u003cdiv class=\"loan-helper\"\u003eDetermines proceeds, financed balance, and APR.\u003c\/div\u003e\n            \u003cdiv class=\"loan-error\" data-loan-error=\"originationRepayment\"\u003e\u003c\/div\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/details\u003e\n    \u003c\/section\u003e\n    \u003caside class=\"loan-panel loan-results-panel\" aria-labelledby=\"loan-results-title\"\u003e\n      \u003cdiv class=\"loan-section-heading\"\u003e\u003ch3 id=\"loan-results-title\"\u003eLive results\u003c\/h3\u003e\u003c\/div\u003e\n      \u003cdiv class=\"loan-primary-result\"\u003e\n        \u003cdiv class=\"loan-primary-label\"\u003ePeriodic payment\u003c\/div\u003e\n        \u003cdiv class=\"loan-primary-value\" data-loan-result=\"periodicPayment\"\u003e$169.10\u003c\/div\u003e\n        \u003cdiv class=\"loan-primary-sub\" data-loan-result=\"paymentContext\"\u003e72 monthly payments over 6 years\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"loan-result-grid\"\u003e\n        \u003cdiv class=\"loan-result-card\"\u003e\n\u003cspan class=\"loan-result-label\"\u003eNet proceeds received\u003c\/span\u003e\u003cstrong class=\"loan-result-value\" data-loan-result=\"receivedLoan\"\u003e$9,200.00\u003c\/strong\u003e\u003cspan class=\"loan-result-note\" data-loan-result-note=\"receivedLoan\"\u003eAfter deducted fees\u003c\/span\u003e\n\u003c\/div\u003e\n        \u003cdiv class=\"loan-result-card\"\u003e\n\u003cspan class=\"loan-result-label\"\u003eTotal interest\u003c\/span\u003e\u003cstrong class=\"loan-result-value\" data-loan-result=\"totalInterest\"\u003e$1,675.33\u003c\/strong\u003e\u003cspan class=\"loan-result-note\" data-loan-result-note=\"totalInterest\"\u003ePrincipal and financed fees\u003c\/span\u003e\n\u003c\/div\u003e\n        \u003cdiv class=\"loan-result-card\"\u003e\n\u003cspan class=\"loan-result-label\"\u003eTotal payment\u003c\/span\u003e\u003cstrong class=\"loan-result-value\" data-loan-result=\"totalPayment\"\u003e$12,375.33\u003c\/strong\u003e\u003cspan class=\"loan-result-note\"\u003eScheduled payments plus cash fees\u003c\/span\u003e\n\u003c\/div\u003e\n        \u003cdiv class=\"loan-result-card\"\u003e\n\u003cspan class=\"loan-result-label\"\u003eFinance charge\u003c\/span\u003e\u003cstrong class=\"loan-result-value\" data-loan-result=\"financeCharge\"\u003e$3,175.33\u003c\/strong\u003e\u003cspan class=\"loan-result-note\"\u003eTotal payment minus net proceeds\u003c\/span\u003e\n\u003c\/div\u003e\n        \u003cdiv class=\"loan-result-card\"\u003e\n\u003cspan class=\"loan-result-label\"\u003eCalculated APR\u003c\/span\u003e\u003cstrong class=\"loan-result-value\" data-loan-result=\"apr\"\u003e10.31%\u003c\/strong\u003e\u003cspan class=\"loan-result-note\" data-loan-result-note=\"apr\"\u003eFee-adjusted nominal annual rate\u003c\/span\u003e\n\u003c\/div\u003e\n        \u003cdiv class=\"loan-result-card\"\u003e\n\u003cspan class=\"loan-result-label\"\u003eEffective APR\u003c\/span\u003e\u003cstrong class=\"loan-result-value\" data-loan-result=\"effectiveApr\"\u003e10.81%\u003c\/strong\u003e\u003cspan class=\"loan-result-note\"\u003eIncludes payment-frequency compounding\u003c\/span\u003e\n\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"loan-live\" aria-live=\"polite\" data-loan-live\u003ePayment $169.10; total payment $12,375.33; calculated APR 10.31%.\u003c\/div\u003e\n    \u003c\/aside\u003e\n  \u003c\/div\u003e\n  \u003csection class=\"loan-section\"\u003e\n    \u003cdiv class=\"loan-card loan-chart-card\" data-loan-chart-card=\"breakdown\"\u003e\n      \u003cdiv class=\"loan-card-head\"\u003e\u003cdiv\u003e\n\u003ch3\u003eTotal payment breakdown\u003c\/h3\u003e\n\u003cp data-loan-breakdown-intro\u003eSee how principal, interest, and fees combine into the full borrowing cost.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\n      \u003cdiv class=\"loan-breakdown-cluster\" data-loan-breakdown-cluster\u003e\n        \u003cdiv class=\"loan-donut-wrap\" data-loan-donut-wrap\u003e\n          \u003csvg class=\"loan-donut-svg\" data-loan-donut viewbox=\"0 0 320 320\" role=\"img\" aria-label=\"Total payment breakdown\"\u003e\u003c\/svg\u003e\n          \u003cdiv class=\"loan-donut-center\"\u003e\n\u003cspan class=\"loan-donut-center-label\"\u003eTotal payment\u003c\/span\u003e\u003cstrong class=\"loan-donut-center-value\" data-loan-donut-total\u003e$12,375.33\u003c\/strong\u003e\n\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv\u003e\n          \u003cdiv class=\"loan-legend\" data-loan-breakdown-legend\u003e\u003c\/div\u003e\n          \u003cdiv class=\"loan-chart-summary-overflow\"\u003e\u003ctable class=\"loan-chart-summary-table\" aria-label=\"Payment breakdown data\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eComponent\u003c\/th\u003e\n\u003cth\u003eAmount\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody data-loan-breakdown-table\u003e\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"loan-empty\" data-loan-breakdown-empty\u003eEnter a loan amount and term to see the payment breakdown.\u003c\/div\u003e\n      \u003cdiv class=\"loan-callout\" data-loan-breakdown-caption\u003eFees account for part of the finance charge even when they are paid before the first scheduled installment.\u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n  \u003csection class=\"loan-section\"\u003e\n    \u003cdiv class=\"loan-card loan-chart-card\" data-loan-chart-card=\"balance\"\u003e\n      \u003cdiv class=\"loan-card-head\"\u003e\u003cdiv\u003e\n\u003ch3\u003eBalance and cumulative cost\u003c\/h3\u003e\n\u003cp data-loan-line-intro\u003eThe remaining financed balance falls while cumulative interest and principal repayment rise.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\n      \u003cdiv class=\"loan-line-plot\" data-loan-line-plot\u003e\u003csvg class=\"loan-line-svg\" data-loan-line-chart viewbox=\"0 0 960 360\" role=\"img\" aria-label=\"Loan balance and cumulative repayment chart\"\u003e\u003c\/svg\u003e\u003c\/div\u003e\n      \u003cdiv class=\"loan-empty\" data-loan-line-empty\u003eEnter values above to draw the amortization chart.\u003c\/div\u003e\n      \u003cdiv class=\"loan-line-legend\" data-loan-line-legend\u003e\u003c\/div\u003e\n      \u003cdiv class=\"loan-line-summary\" data-loan-line-summary\u003e\u003c\/div\u003e\n      \u003cdiv class=\"loan-callout\" data-loan-line-caption\u003eEarly installments usually contain a larger interest share; later installments direct more of each payment toward principal.\u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n  \u003csection class=\"loan-section\"\u003e\n    \u003cdiv class=\"loan-card\" data-loan-table-card\u003e\n      \u003cdiv class=\"loan-card-head\"\u003e\u003cdiv\u003e\n\u003ch3\u003eAmortization schedule\u003c\/h3\u003e\n\u003cp\u003eReview each payment or aggregate the schedule by year.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\n      \u003cdiv class=\"loan-table-controls\" aria-label=\"Schedule detail level\"\u003e\n\u003cbutton class=\"loan-segment-button\" type=\"button\" data-loan-table-mode=\"period\" aria-pressed=\"true\"\u003ePayment detail\u003c\/button\u003e\u003cbutton class=\"loan-segment-button\" type=\"button\" data-loan-table-mode=\"year\" aria-pressed=\"false\"\u003eAnnual summary\u003c\/button\u003e\n\u003c\/div\u003e\n      \u003cdiv class=\"loan-table-overflow\" data-loan-table-overflow\u003e\n        \u003ctable class=\"loan-table\"\u003e\n\u003cthead data-loan-table-head\u003e\u003c\/thead\u003e\n\u003ctbody data-loan-table-body\u003e\u003c\/tbody\u003e\n\u003c\/table\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"loan-table-note\" data-loan-table-note\u003eThe final installment is adjusted for fractional cents so the ending balance does not fall below zero.\u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n  \u003csection class=\"loan-education\"\u003e\n    \u003cdiv class=\"loan-education-inner\"\u003e\n      \u003ch2\u003eWhat does this loan calculator estimate?\u003c\/h2\u003e\n      \u003cp\u003eThis calculator models a fixed-rate installment loan from the borrower’s perspective. It estimates the recurring payment, the amount of cash actually received, total interest, total payment, finance charge, calculated APR, effective APR, fee composition, and the balance path over time. The model treats the stated loan amount separately from the net proceeds because an origination fee may be deducted before funding. It also separates fees paid upfront from fees rolled into the balance, since only financed fees accrue interest.\u003c\/p\u003e\n      \u003cp\u003eThe figures are planning estimates rather than a lender disclosure or personalized financial advice. Loan contracts can use different day-count conventions, payment dates, minimum charges, late-fee rules, and rounding methods. For consumer-credit terminology and disclosure concepts, consult the \u003ca href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-an-annual-percentage-rate-apr-en-733\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eConsumer Financial Protection Bureau’s APR guidance\u003c\/a\u003e and the \u003ca href=\"https:\/\/www.federalreserve.gov\/consumerscommunities.htm\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFederal Reserve’s consumer resources\u003c\/a\u003e.\u003c\/p\u003e\n      \u003ch2\u003eHow should each loan input be used?\u003c\/h2\u003e\n      \u003ch3\u003eRate information and compounding\u003c\/h3\u003e\n      \u003cp\u003e\u003cstrong\u003eWhat rate information do you know?\u003c\/strong\u003e Select nominal interest rate when the lender quotes a contract rate, advertised APR when APR is the only rate supplied, both when you want to compare the advertised figure with the fee-adjusted result, or periodic payment when neither rate is known. In payment mode, the calculator solves for the periodic rate that amortizes the financed balance over the selected term. A payment that is too small to repay the balance produces a validation message.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003eNominal interest rate\u003c\/strong\u003e is the annual contract rate before fees. A higher rate raises every scheduled payment and usually increases total interest sharply. Enter the rate as a percentage, such as 5 for 5%. \u003cstrong\u003eAdvertised APR\u003c\/strong\u003e is a lender-provided comparison rate; when entered, it is used as the borrowing-rate assumption and the calculator still shows a recalculated APR based on the current fee structure. \u003cstrong\u003eCompound frequency\u003c\/strong\u003e controls how the nominal rate converts into a periodic rate. Monthly compounding with monthly payments uses the annual nominal rate divided by 12, while mismatched compounding and payment frequencies use an equivalent-period conversion.\u003c\/p\u003e\n      \u003ch3\u003ePrincipal, term, and payment frequency\u003c\/h3\u003e\n      \u003cp\u003e\u003cstrong\u003eLoan amount\u003c\/strong\u003e is the principal stated in the agreement, not necessarily the cash deposited into your account. Raising it increases payment and interest in roughly proportional terms when all other assumptions remain unchanged. \u003cstrong\u003eLoan term\u003c\/strong\u003e may be entered in years or months; switching the unit converts the current value instead of merely changing the label. Longer terms normally lower the periodic payment but increase cumulative interest. Very short terms do the opposite. \u003cstrong\u003ePayment frequency\u003c\/strong\u003e determines whether installments occur quarterly, monthly, bi-weekly, or weekly. More frequent payments produce more schedule rows and change the periodic rate used by the model.\u003c\/p\u003e\n      \u003ch3\u003ePrepaid, loaned, and ori\ngination fees\u003c\/h3\u003e\n      \u003cp\u003e\u003cstrong\u003ePrepaid fee\u003c\/strong\u003e is paid separately and does not earn interest in this model. It still raises total payment and the finance charge. \u003cstrong\u003eLoaned fee\u003c\/strong\u003e is added to the financed balance, so the borrower repays the fee plus interest on that fee. \u003cstrong\u003eOrigination fee\u003c\/strong\u003e is entered as a percentage of the stated loan amount. The repayment selector determines whether it is deducted from proceeds, rolled into the loan, or paid in cash. Deduction reduces net proceeds; rolling increases the interest-bearing balance; cash payment leaves proceeds unchanged but increases upfront cost. Origination fees vary widely by product and lender, so use the exact disclosure rather than a market average.\u003c\/p\u003e\n      \u003ch2\u003eHow are the main results interpreted?\u003c\/h2\u003e\n      \u003cp\u003e\u003cstrong\u003ePeriodic payment\u003c\/strong\u003e is the scheduled amount for each selected payment period. It includes repayment of principal and any financed fees. \u003cstrong\u003eNet proceeds received\u003c\/strong\u003e is the cash available after a deducted origination fee. This can be materially lower than the contractual principal. \u003cstrong\u003eTotal interest\u003c\/strong\u003e includes interest on the stated principal and on fees rolled into the balance. A zero-rate loan has zero interest but may still have a positive finance charge because of fees.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003eTotal payment\u003c\/strong\u003e combines all scheduled installments with fees paid separately. \u003cstrong\u003eFinance charge\u003c\/strong\u003e is total payment minus net proceeds, showing the dollar cost above the cash received. \u003cstrong\u003eCalculated APR\u003c\/strong\u003e converts the full borrowing cost into a nominal annual rate using the payment frequency. To remain comparable across fee structures, the model spreads the total payment evenly across the scheduled periods when solving the APR. \u003cstrong\u003eEffective APR\u003c\/strong\u003e compounds the periodic APR rate over one year. It is normally higher than nominal APR when compounding occurs more than once annually.\u003c\/p\u003e\n      \u003ch2\u003eHow do the chart and schedule help?\u003c\/h2\u003e\n      \u003cp\u003eThe breakdown chart separates the major portions of total payment. When more than five categories are active, the smallest components are combined into an Other segment so the visual remains readable. Zero-value categories are omitted, and every visible segment is matched to the legend and data table. A larger fee segment indicates that comparing offers by contract rate alone may be misleading.\u003c\/p\u003e\n      \u003cp\u003eThe balance chart shows the financed balance alongside cumulative principal and cumulative interest. The remaining balance should decline to zero by the final row. The payment-detail schedule lists opening balance, payment, principal, interest, fee principal, and closing balance for every period. Annual summary combines those rows into calendar-like loan years, which is useful for budgeting and audit checks. The \u003ca href=\"https:\/\/www.investopedia.com\/terms\/a\/amortization.asp\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eamortization overview from Investopedia\u003c\/a\u003e provides additional background on why the principal share typically rises over time.\u003c\/p\u003e\n      \u003ch2\u003eWhich assumptions matter most?\u003c\/h2\u003e\n      \u003cp\u003eInterest rate, term, and financed balance are the strongest recurring-payment drivers. A longer term can make a loan appear affordable month to month while increasing lifetime cost. Deducted fees reduce usable proceeds without reducing the repayment principal. Rolled fees can be more expensive because they also generate interest. When comparing offers, enter each lender’s exact term, payment frequency, fee treatment, and disclosed APR rather than comparing monthly payments alone.\u003c\/p\u003e\n      \u003cp\u003eCommon mistakes include entering 0.05 instead of 5 for a 5% rate, treating a deducted origination fee as cash paid separately, ignoring financed fees, comparing loans with different payment frequencies, and assuming every lender uses identical rounding. The reset button intentionally clears the model to a neutral zero state rather than restoring the sample values. The downloadable workbook reflects the current values and includes summary, inputs, breakdown, schedule, and notes sheets for further review.\u003c\/p\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909487403251,"sku":"loan","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/loan.webp?v=1783935524","url":"https:\/\/financialmodelslab.com\/products\/loan","provider":"Financial Models Lab","version":"1.0","type":"link"}