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Loan Calculator
Calculate amortized or flat-rate loan payments
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Results
Monthly payment1,887.1234 THB
Total payments113,227.4019 THB
Total interest13,227.4019 THB
Number of payments60
Constant rate, excluding fees. Term rounded to the nearest month. Flat and amortized rates are not directly comparable.
Formula and method
Flat interest = principal × annual decimal rate × years. Installment = (principal + interest) ÷ months. Amortized interest is based on the remaining balance.
Worked example
A THB 120,000 loan at 5% flat interest for 1 year costs THB 6,000 interest, THB 126,000 total and THB 10,500 per month.
Frequently asked question
Is 5% flat interest the same as 5% amortized interest?
No. They use different principal bases. Compare total repayments and fees under each loan’s actual terms.
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