Loan Calculator

Plan your finances with our advanced loan calculator. Compare Flat vs. Effective (Bunga Menurun) interest rates, view amortization schedules, and visualize your total repayment instantly.

Loan Details

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Repayment Summary

Monthly Installment$0.00
Total Interest$0.00
Total Repayment$0.00

Flat vs. Effective Interest

Understand the difference between Flat interest (calculated on the total loan) and Effective interest (Bunga Menurun, calculated on the remaining balance). Our tool provides clear comparisons for smarter borrowing.

Full Amortization Schedule

Get a month-by-month breakdown of your loan repayment. See exactly how much goes toward the principal versus interest over the entire duration of your loan.