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Loan & Investment Calculator

Personal loans, auto loans, compound interest, and investment returns.

Loan Calculator

Loan Type

Loan Amount

$

Annual Interest Rate

%

Loan Term

years

Monthly Payment

-

Total Interest

-

Total Cost

-

Principal

Interest

Typical Rates (2026)

Auto Loan	5–9%
Personal Loan	8–24%
Student Loan	5–8%
Business Loan	6–15%

Reduce Interest

Improve credit score before applying
Make biweekly payments instead of monthly
Add extra principal when possible
Refinance if rates drop significantly

Compound Interest

Principal Amount

$

Annual Interest Rate

%

Time Period (years)

Compounding Frequency

Monthly Contribution (optional)

$

Future Value

-

Total Deposited

-

Interest Earned

-

Deposited

Interest

Compound Interest Formula

A = P(1 + r/n)^(nt)

P = Principal
r = Annual interest rate
n = Compounding frequency
t = Time in years

The Rule of 72

Divide 72 by your annual interest rate to estimate how many years it takes to double your money.

Example: 7% rate → 72 ÷ 7 ≈ 10.3 years to double.

Investment Return Calculator

Initial Investment

$

Monthly Contribution

$

Expected Annual Return

%

Investment Period (years)

Final Balance

-

Total Invested

-

Total Growth

-

Total Invested

Investment Growth

YEAR BY YEAR

Year	Balance	Invested	Growth

Historical Returns

S&P 500 avg: ~10% annually
Bonds: ~4–5% avg
Savings account: ~4–5% HYSA
Inflation: ~3% avg

Power of Consistency

Investing $200/month at 8% for 30 years grows to over $298,000 — from only $72,000 invested.

© 2026 Calculator-Topia. For informational purposes only.