Why compare total cost, not the payment?

A lower payment can hide a longer term and more interest. Total cost is the real picture.

Does it include fees and insurance?

Yes — add them in advanced mode and they're folded into total cost.

Enter the disclosed profit rate; the reducing-balance math is the same.

No — it's an estimate to help you compare. Get an official quote from the bank.

No, all calculation runs locally in your browser.

Compare two or more offers by true cost and affordability.

Decision calculatorGeneral editable assumptionsGlobal-readyScenario comparisonInteractive chart

Last updated: 2026-05-16

This calculator uses generic assumptions. Use advanced mode to override them for a more accurate result.

Source: default

Total Cost = Total Repayment + Fees + Insurance

Why compare total cost, not the payment?: A lower payment can hide a longer term and more interest. Total cost is the real picture.
Does it include fees and insurance?: Yes — add them in advanced mode and they're folded into total cost.
What about Islamic products?: Enter the disclosed profit rate; the reducing-balance math is the same.
Is the result official?: No — it's an estimate to help you compare. Get an official quote from the bank.
Do you store my data?: No, all calculation runs locally in your browser.

Results are estimates and not professional advice. Verify important decisions with a qualified professional.