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Loans & Amortization · Specialty & Tax

365/360 Loan Calculator

Amortize a loan using the 365/360 method, where the daily rate is based on a 360-day year but charged for all 365 days.

  • Free to use here · embed on the Free plan
  • 3 inputs · 5 results
  • English & Spanish

Try the 365/360 Loan Calculator

See your 365/360 payment and its true cost — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the 365/360 Loan calculator works out

The 365/360 Loan Calculator is a free, embeddable calculator from CalcFunnel. Amortize a loan using the 365/360 method, where the daily rate is based on a 360-day year but charged for all 365 days.

You enter 3 inputs: loan amount, interest rate (%) and loan term (years).

It returns monthly payment, total interest paid, total of payments, effective annual rate and extra interest vs 30/360.

Built for lenders, credit unions and borrowers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Loans & Amortization category.

Results it shows

  1. 01Monthly Payment
  2. 02Total Interest Paid
  3. 03Total of Payments
  4. 04Effective Annual Rate
  5. 05Extra Interest vs 30/360

The first figure — monthly payment — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Loan Amount
The total amount you are borrowing.
Interest Rate (%)
The nominal annual interest rate. Under 365/360, the daily rate is this divided by 360.
Loan Term (years)
The full repayment term of the loan in years.

For your website

Embed this calculator on your website

Put the 365/360 Loan Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

365/360 Loan calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the 365/360 Loan Calculator calculate?
Amortize a loan using the 365/360 method, where the daily rate is based on a 360-day year but charged for all 365 days. It returns monthly payment, total interest paid, total of payments, effective annual rate and extra interest vs 30/360.
Q.02What information do I need to use the 365/360 Loan Calculator?
You enter 3 inputs: loan amount, interest rate (%) and loan term (years). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Loan Amount” mean in the 365/360 Loan Calculator?
The total amount you are borrowing.
Q.04What does “Interest Rate (%)” mean in the 365/360 Loan Calculator?
The nominal annual interest rate. Under 365/360, the daily rate is this divided by 360.
Q.05Is the 365/360 Loan Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Loans & Amortization category. Compare plans.
Q.06Can I embed the 365/360 Loan Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the 365/360 Loan Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the 365/360 Loan results financial advice?
No. Estimates only. The 365/360 method (common in commercial lending) charges a daily rate based on a 360-day year applied across 365 days, raising the effective cost above the nominal rate. This model uses an average month of 365/12 days. Confirm the exact accrual method with your lender.

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  • 14-day trial on Pro & Business
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