Calculate flat-rate loan payment from your own figures.
Calculated in your browser. No account required. Illustrative estimate. Review the assumptions before using the result.View calculation table
How this calculation works
Payment = (P + P×r×t) ÷ n
Enter the labelled inputs. Percent fields use 5 for 5%. Flat-rate method differs from reducing-balance interest.
A worked example
Principal: 10000 USD; Annual flat rate: 6 %; Term: 3 years; Number of payments: 36 payments. Flat-rate loan payment: 327.777778 USD.
Assumptions and limitations
Flat-rate method differs from reducing-balance interest. All monetary inputs must use one currency and time period unless conversion is explicit. Manual inputs only; no live prices or official rule tables.
Common questions
Why can my actual result differ?
Flat-rate method differs from reducing-balance interest. All monetary inputs must use one currency and time period unless conversion is explicit. Manual inputs only; no live prices or official rule tables.
Are my inputs saved?
The calculator code processes inputs within your browser and does not send them to our server or save them in browser storage. Downloads and copied summaries remain under your control.