Loan Valuation Calculator
Loan to valuation calculator works out Payment and Total interest from Annual interest rate, Loan term and Term - additional months. The default figures on this page give loan amount of 25,554.34; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
4 steps
- 60 payments of 500 discounted at 0.541667% a period are worth 25554.34 today, which is the most this payment supports.
- Rate per period = 6.5% / 12 = 0.541667%
- Payment = P i / (1 - (1+i)^-n) = 500
- Over 60 payments the total paid is 29999.98, of which 4445.64 is interest.
Amortisation scheduletable
| period | payment | interest | principal | balance |
|---|---|---|---|---|
| 1 | 500 | 138.42 | 361.58 | 25,192.76 |
| 2 | 500 | 136.46 | 363.54 | 24,829.22 |
| 3 | 500 | 134.49 | 365.51 | 24,463.71 |
| 4 | 500 | 132.51 | 367.49 | 24,096.22 |
| 5 | 500 | 130.52 | 369.48 | 23,726.74 |
| 6 | 500 | 128.52 | 371.48 | 23,355.26 |
| 7 | 500 | 126.51 | 373.49 | 22,981.77 |
| 8 | 500 | 124.48 | 375.52 | 22,606.25 |
| 9 | 500 | 122.45 | 377.55 | 22,228.7 |
| 10 | 500 | 120.41 | 379.59 | 21,849.11 |
| 11 | 500 | 118.35 | 381.65 | 21,467.46 |
| 12 | 500 | 116.28 | 383.72 | 21,083.74 |
| 13 | 500 | 114.2 | 385.8 | 20,697.94 |
| 14 | 500 | 112.11 | 387.89 | 20,310.05 |
| 15 | 500 | 110.01 | 389.99 | 19,920.06 |
| 16 | 500 | 107.9 | 392.1 | 19,527.96 |
| 17 | 500 | 105.78 | 394.22 | 19,133.74 |
| 18 | 500 | 103.64 | 396.36 | 18,737.38 |
| 19 | 500 | 101.49 | 398.51 | 18,338.87 |
| 20 | 500 | 99.34 | 400.66 | 17,938.21 |
| 21 | 500 | 97.17 | 402.83 | 17,535.38 |
| 22 | 500 | 94.98 | 405.02 | 17,130.36 |
| 23 | 500 | 92.79 | 407.21 | 16,723.15 |
| 24 | 500 | 90.58 | 409.42 | 16,313.73 |
| 25 | 500 | 88.37 | 411.63 | 15,902.1 |
| 26 | 500 | 86.14 | 413.86 | 15,488.24 |
| 27 | 500 | 83.89 | 416.11 | 15,072.13 |
| 28 | 500 | 81.64 | 418.36 | 14,653.77 |
| 29 | 500 | 79.37 | 420.63 | 14,233.14 |
| 30 | 500 | 77.1 | 422.9 | 13,810.24 |
| 31 | 500 | 74.81 | 425.19 | 13,385.05 |
| 32 | 500 | 72.5 | 427.5 | 12,957.55 |
| 33 | 500 | 70.19 | 429.81 | 12,527.74 |
| 34 | 500 | 67.86 | 432.14 | 12,095.6 |
| 35 | 500 | 65.52 | 434.48 | 11,661.12 |
| 36 | 500 | 63.16 | 436.84 | 11,224.28 |
| 37 | 500 | 60.8 | 439.2 | 10,785.08 |
| 38 | 500 | 58.42 | 441.58 | 10,343.5 |
| 39 | 500 | 56.03 | 443.97 | 9,899.53 |
| 40 | 500 | 53.62 | 446.38 | 9,453.15 |
| 41 | 500 | 51.2 | 448.8 | 9,004.35 |
| 42 | 500 | 48.77 | 451.23 | 8,553.12 |
| 43 | 500 | 46.33 | 453.67 | 8,099.45 |
| 44 | 500 | 43.87 | 456.13 | 7,643.32 |
| 45 | 500 | 41.4 | 458.6 | 7,184.72 |
| 46 | 500 | 38.92 | 461.08 | 6,723.64 |
| 47 | 500 | 36.42 | 463.58 | 6,260.06 |
| 48 | 500 | 33.91 | 466.09 | 5,793.97 |
| 49 | 500 | 31.38 | 468.62 | 5,325.35 |
| 50 | 500 | 28.85 | 471.15 | 4,854.2 |
| 51 | 500 | 26.29 | 473.71 | 4,380.49 |
| 52 | 500 | 23.73 | 476.27 | 3,904.22 |
| 53 | 500 | 21.15 | 478.85 | 3,425.37 |
| 54 | 500 | 18.55 | 481.45 | 2,943.92 |
| 55 | 500 | 15.95 | 484.05 | 2,459.87 |
| 56 | 500 | 13.32 | 486.68 | 1,973.19 |
| 57 | 500 | 10.69 | 489.31 | 1,483.88 |
| 58 | 500 | 8.04 | 491.96 | 991.92 |
| 59 | 500 | 5.37 | 494.63 | 497.29 |
| 60 | 499.98 | 2.69 | 497.29 | 0 |
Yearly summarytable
| year | interest | principal | endingBalance |
|---|---|---|---|
| 1 | 1,529.4 | 4,470.6 | 21,083.74 |
| 2 | 1,229.99 | 4,770.01 | 16,313.73 |
| 3 | 910.55 | 5,089.45 | 11,224.28 |
| 4 | 569.69 | 5,430.31 | 5,793.97 |
| 5 | 206.01 | 5,793.97 | 0 |
Its 11 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
5 sources
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What the loan to valuation calculator calculates
Computes the level payment, total interest and full amortisation schedule for an instalment loan, and solves the same annuity equation backwards for the rate, the term or the amount that can be borrowed. Handles extra principal, balloon structures and fees withheld at closing.
How to use this loan to valuation calculator
Enter Annual interest rate, Loan term, Term - additional months and Payment frequency. Payment updates as you type. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Payment, Total interest and Total of payments.
The method follows Standard annuity-immediate payment formula, PMT = P i / (1 - (1+i)^-n), 12 CFR Part 1026 (Regulation Z), Appendix J - Annual Percentage Rate Computations, Consumer Financial Protection Bureau, "What is a balloon payment? When is one allowed?", 13 CFR 120.212 - What limits are there on the maturities of 7(a) loans? and 26 U.S.C. 72(p)(2)(B) - repayment period for a loan from a qualified employer plan.
What you can compare
Change one input at a time to see how it affects Payment, Total interest and Total of payments. The inputs you can vary are Annual interest rate, Loan term, Term - additional months, Payment frequency and Payment per period.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
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Frequently asked questions
How to calculate loan to valuation?
Computes the level payment, total interest and full amortisation schedule for an instalment loan, and solves the same annuity equation backwards for the rate, the term or the amount that can be borrowed. Open “How this is worked out” beside the result to see each step for your own figures.
Is a 67% loan to value good?
Computes the level payment, total interest and full amortisation schedule for an instalment loan, and solves the same annuity equation backwards for the rate, the term or the amount that can be borrowed. On the figures this page opens with — annual interest rate 6.5% and loan term 5 years — the loan amount is 25,554.34. Put your own figures in their place and the working updates beside the result.
How can I calculate my loan-to-value?
It needs Annual interest rate, Loan term, Term - additional months, Payment frequency and Payment per period. Nothing else is required, and the figures stay in your browser.
What is a good loan-to-value ratio?
Computes the level payment, total interest and full amortisation schedule for an instalment loan, and solves the same annuity equation backwards for the rate, the term or the amount that can be borrowed. On this page it is computed from Annual interest rate, Loan term and Term - additional months and shown as Payment, Total interest and Total of payments.
What information do I need for the loan to valuation calculator?
You need Annual interest rate, Loan term, Term - additional months, Payment frequency and Payment per period. The page opens with default figures that give loan amount of 25,554.34, so you can see the scale before entering your own.
What does this loan to valuation calculator show?
It shows Payment, Total interest, Total of payments, Number of payments, Payoff time, Rate per period, Interest per unit borrowed and Interest saved by extra payments, with the working and any warnings for your entries.