Business Loan Calculator
Plan a business loan the smart way — see your monthly payment, total interest and full repayment cost before you borrow.
🔄 Updated October 17, 2026
About the Business Loan Calculator
The Business Loan Calculator is a free online business tool. Plan a business loan the smart way — see your monthly payment, total interest and full repayment cost before you borrow. Everything runs in your browser — your data stays private, nothing is uploaded, and there is no signup. For money math, also try the Margin Calculator and Discount Calculator.
How to use this calculator
- Enter your numbers in the fields above.
- Results update instantly — no button to press, no page reload.
- Adjust the inputs to compare scenarios with the Business Loan Calculator.
Keep exploring: Free Invoice Generator · Freelance Hourly Rate Calculator · Break-Even Calculator · Commission Calculator
Frequently asked questions
How is the monthly payment calculated?
With the standard reducing-balance formula from loan amount, annual interest rate and term.
Does it include fees?
No — add processing fees or insurance separately to the loan amount for a truer picture.
Fixed or floating rate?
This assumes a fixed rate for the whole term. Floating rates will change the payment over time.