Interest Calculator PWA

Select or enter Loan Parameters below.

Make sure you click the
Recalculate Button at the bottom.
Hold your mouse over the Help Icons

to see important information.

Payment Type/Frequency
Payments Per Year (PPY)-- 12
Days In Payment (DIP)-- 30 The usual number of days between regular payments

Loan Date: 1st Pmt Date:
= Days To First Payment:

Odd Days The number of days that is beyond or less than the normal days to first payment.
You will pay additional interest for positive days, and less interest for negative days.
Days In Year The number of days in a Loan Year. This value is used to calculate Daily Finance Charges.
--Most Financial Institutions use 360.
Principal:
APR (as 15.50):
Number of Payments: .
Set Fixed Payment Check this to set a Fixed Payment Amount.
The Calulations will show the Number of Payments needed.
Fixed Payment Amount Final Payment Amount

Loan Payment: $ 0.00
Total of Payments: $ 0.00
Total Finance Charges: $ 0.00

Balloon Amt- 0.00 Balloon Interest- 0.00
Balloon Amt + Interest = Final Payment
.. .. .. ..

Enter the Original Terms of the Loan
below to calculate the Payoff for a
Precomputed/ Rule of 78's Contract

Payment Type/Frequency
Payments Per Year (PPY)-- 12
Days In Payment (DIP)-- 30 The usual number of days between regular payments

Loan Date:
First Pmt : Days To 1st:
Odd Days: The number of days that is beyond or less than the normal days to first payment.
You will pay additional interest for positive days, and less interest for negative days.

The number of days that is beyond or less than the normal days to first payment.
You will pay additional interest for positive days, and less interest for negative days.

Acq Fee:

Some states allow an Acquisition Fee that the Lender can charge on payoff.

#Pmts: Include the Odd Last Payment in this number.
Payoff Date: Periods Passed -- 0
Periods Earned -- 0 May be higher than the Actual Periods Passed. Once a Due Date has passed, the Interest for the Next Period is deemed to have been Earned.

May be higher than the Actual Periods Passed. Once a Due Date has passed, the Interest for the Next Period is deemed to have been Earned.

Last Pmt: ""
Current Balance:
Original Finance Charges:
APR (as 15.50):
Orig Pmt Amt:
Use Months Check this to set the Payoff to calculate as whole Months instead of Weekly or Bi-Weekly Periodic

Check this to set the Payoff to calculate as whole Months instead of Weekly or Bi-Weekly Periodic

OR:

Finance Charge Rebate:

Estimated Payoff:

Note that the Rule of 78's Calculation shown may not be valid for your state, since some jurisdictions require that the "Actuarial" or "Pro-Rata" Rebate calculation be used.

Calculate the Days/Weeks/Months/Years
between two dates:

Date 1:
Date 2:

# Days:
# Weeks:
# Bi-Weeks: - 14 Day Periods
# Semi-Monthly: - 15 Day Periods
# Months:
# Years:
All Together:

Calculate the Loan APR
from the Payment Details

Payment Type/Frequency
Payments Per Year (PPY)-- 12
Days In Payment (DIP)-- 30 The usual number of days between regular payments

Number of Payments:
Regular Payment:
Loan Principal:
Balloon Amt:
Guess of APR:

Estimated APR:

Calculate Credit Card Debt over Time

Credit Card Balance:
Credit Card APR: Enter as 21.99
Minimum Principal %:
Minimum Montly Payment $:
Monthly CC Fee:

First Payment Amount:
Note: Payment Amount will vary over time.

Total Interest Paid:

Total Time Required:

Explanations:
Interest= (APR / 12) x Principal Balance
Payment = Interest + Fees + Min Principal
Minimum Pmt % -- % of the Balance required
to be paid each month
Minimum Pmnt $ -- Minimum Payment even if
the Minimum Principal + Fees + Interest is less.

Bettencourtt Technologies Quick Multi-Calc V6.87 09/2025
-- This Version not yet ready for Public Release --
Last Edit: 2026/01/23 17:15

IMPORTANT NOTICE:

All Calculations Shown are for comparison purposes ONLY.
No warranty of any kind is made as to the accuracy of
the calculations on these pages for Consumer Transactions.
Financial Regulations or Laws in your Country or State
may require different calculations or methodologies.

Select or enter Loan Parameters below.

Enter the Original Terms of the Loan
below to calculate the Payoff for a
Precomputed/ Rule of 78's Contract

Calculate the Days/Weeks/Months/Years
between two dates:

Calculate the Loan APR
from the Payment Details

Calculate Credit Card Debt over Time

More Calculations are coming Soon.
To request a Specific Calculation
email us at:
multicalc \at/ bettencourtt.com

Bettencourtt Technologies Quick Multi-Calc V6.87 09/2025 -- This Version not yet ready for Public Release -- Last Edit: 2026/01/23 17:15

IMPORTANT NOTICE:

All Calculations Shown are for comparison purposes ONLY. No warranty of any kind is made as to the accuracy of the calculations on these pages for Consumer Transactions. Financial Regulations or Laws in your Country or State may require different calculations or methodologies.

Select or enter Loan Parameters below.

Enter the Original Terms of the Loan below to calculate the Payoff for a Precomputed/ Rule of 78's Contract

Calculate the Days/Weeks/Months/Years between two dates:

Calculate the Loan APR from the Payment Details

Calculate Credit Card Debt over Time

More Calculations are coming Soon. To request a Specific Calculation email us at: multicalc \at/ bettencourtt.com

Bettencourtt Technologies Quick Multi-Calc V6.87 09/2025
-- This Version not yet ready for Public Release --
Last Edit: 2026/01/23 17:15

All Calculations Shown are for comparison purposes ONLY.
No warranty of any kind is made as to the accuracy of
the calculations on these pages for Consumer Transactions.
Financial Regulations or Laws in your Country or State
may require different calculations or methodologies.

Enter the Original Terms of the Loan
below to calculate the Payoff for a
Precomputed/ Rule of 78's Contract

Calculate the Days/Weeks/Months/Years
between two dates:

Calculate the Loan APR
from the Payment Details

More Calculations are coming Soon.
To request a Specific Calculation
email us at:
multicalc \at/ bettencourtt.com