Start free

Loans & Amortization · Loan Basics

Total Cost of Loan Calculator

The full lifetime cost of a loan — principal, interest and upfront fees combined.

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

Try the Total Cost of Loan Calculator

See the lifetime cost of a loan — results update as you type.

Loading the live calculator…

Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Total Cost of Loan calculator works out

The Total Cost of Loan Calculator is a free, embeddable calculator from CalcFunnel. The full lifetime cost of a loan — principal, interest and upfront fees combined.

You enter 4 inputs: loan amount, interest rate (%), loan term (years) and upfront fees.

It returns lifetime cost of loan, monthly payment, total interest, upfront fees and principal.

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. 01Lifetime Cost of Loan
  2. 02Monthly Payment
  3. 03Total Interest
  4. 04Upfront Fees
  5. 05Principal

The first figure — lifetime cost of loan — 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 Details

Loan Amount
The total amount you are borrowing. The calculator uses this as the starting principal for all cost calculations.
Interest Rate (%)
The annual interest rate on the loan. This is the primary driver of total interest paid over the life of the loan.
Loan Term (years)
How many years to repay the loan. A shorter term increases monthly payments but dramatically reduces total interest.

Fees & Costs

Upfront Fees
One-time costs paid at closing (origination fees, points, title insurance, etc.) that add directly to the lifetime cost of the loan.

For your website

Embed this calculator on your website

Put the Total Cost of 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

Total Cost of Loan calculator FAQs

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

Q.01What does the Total Cost of Loan Calculator calculate?
The full lifetime cost of a loan — principal, interest and upfront fees combined. It returns lifetime cost of loan, monthly payment, total interest, upfront fees and principal.
Q.02What information do I need to use the Total Cost of Loan Calculator?
You enter 4 inputs: loan amount, interest rate (%), loan term (years) and upfront fees. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Loan Amount” mean in the Total Cost of Loan Calculator?
The total amount you are borrowing. The calculator uses this as the starting principal for all cost calculations.
Q.04What does “Interest Rate (%)” mean in the Total Cost of Loan Calculator?
The annual interest rate on the loan. This is the primary driver of total interest paid over the life of the loan.
Q.05Is the Total Cost of 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 Total Cost of 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 Total Cost of 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 Total Cost of Loan results financial advice?
No. Estimates only. Assumes a fixed rate held to full term with no prepayment; rate changes, prepayment or financed fees change the true cost. Confirm final figures with your lender.

Related loans & amortization calculators

All 13 in Loans & Amortization

Your website does the math. You get the lead.

The Total Cost of Loan Calculator is one of 188 calculators you can brand and embed with one line of code.

Start free Compare plans
  • Free plan, no card
  • 14-day trial on Pro & Business
  • Cancel any time