You can now calculate thousands of payments with ONE multiplication
This table will help you easily calculate a fully amortized monthly payment.  To use, simply find the appropriate factor for the interest rate and number of years of your loan.  

As an example, the factor for a 30 year 9% loan is .0080462.  Multiply the factor by the loan amount to calculate your monthly payment.  Therefore, a 9% 30 year fully amortized loan payment can easily be figured as follows:  The factor (.0080462) times loan amount (182,500) equals monthly payment, i.e. $1,468.43.  

for a printable table please click here.
YEARS

INTEREST RATE
 

4.00

4.25

4.50

4.75

5.00

5.25

5.50

5.75

1

.0851499

.0852642

.0853785

.0854930

.0856075

.0857221

.0858368

.0859516

2

.0434249

.0435363

.0436478

.0437595

.0438714

.0439834

.0440957

.0442080

3

.0295240

.0296353

.0297469

.0298588

.0299709

.0300833

.0301959

.0303088

5

.0184165

.0185296

.0186430

.0187569

.0188712

.0189860

.0191012

.0192168

7

.0136688

.0137842

.0139002

.0140167

.0141339

.0142517

.0143700

.0144890

10

.0101245

.0102438

.0103638

.0104848

.0106066

.0107292

.0108526

.0109769

15

.0073969

.0075228

.0076499

.0077783

.0079079

.0080388

.0081708

.0083041

20

.0060598

.0061923

.0063265

.0064622

.0065996

.0067384

.0068789

.0070208

25

.0052784

.0054174

.0055583

.0057012

.0058459

.0059925

.0061409

.0062911

30

.0047742

.0049194

.0050669

.0052165

.0053682

.0055220

.0056779

.0058357

35

.0044277

.0045789

.0047326

.0048886

.0050469

.0052074

.0053702

.0055350

40

.0041794

.0043362

.0044956

.0046576

.0048220

.0049887

.0051577

.0053289
                 
 

6.00

6.25

6.50

6.75

7.00

7.25

7.50

7.75

1

.0860664

.0861814

.0862964

.0864115

.0865267

.0866420

.0867574

.0868729

2

.0443206

.0444333

.0445463

.0446593

.0447726

.0448860

.0449996

.0451134

3

.0304219

.0305353

.0306490

.0307629

.0308771

.0309915

.0311062

.0312212

5

.0193328

.0194493

.0195661

.0196835

.0198012

.0199194

.0200379

.0201570

7

.0146086

.0147287

.0148494

.0149708

.0150927

.0152152

.0153383

.0154620

10

.0111021

.0112280

.0113548

.0114824

.0116108

.0117401

.0118702

.0120011

15

.0084386

.0085742

.0087111

.0088491

.0089883

.0091286

.0092701

.0094128

20

.0071643

.0073093

.0074557

.0076036

.0077530

.0079038

.0080559

.0082095

25

.0064430

.0065967

.0067521

.0069091

.0070678

.0072281

.0073899

.0075533

30

.0059955

.0061572

.0063207

.0064860

.0066530

.0068218

.0069921

.0071641

35

.0057019

.0058708

.0060415

.0062142

.0063886

.0065647

.0067424

.0069218

40

.0055021

.0056774

.0058546

.0060336

.0062143

.0063967

.0065807

.0067662
                 
 

8.00

8.25

8.50

8.75

9.00

9.25

9.50

9.75

1

.0869884

.0871041

.0872198

.0873356

.0874515

.0875675

.0876835

.0877997

2

.0452273

.0453414

.0454557

.0455701

.0456847

.0457995

.0459145

.0460296

3

.0313364

.0314518

.0315675

.0316835

.0317997

.0319162

.0320329

.0321499

5

.0202764

.0203963

.0205165

.0206372

.0207584

.0208799

.0210019

.0211242

7

.0155862

.0157111

.0158365

.0159625

.0160891

.0162162

.0163440

.0164723

10

.0121328

.0122653

.0123986

.0125327

.0126676

.0128033

.0129398

.0130770

15

.0095565

.0097014

.0098474

.0099945

.0101427

.0102919

.0104422

.0105936

20

.0083644

.0085207

.0086782

.0088371

.0089973

.0091587

.0093213

.0094852

25

.0077182

.0078845

.0080523

.0082214

.0083920

.0085638

.0087370

.0089114

30

.0073376

.0075127

.0076891

.0078670

.0080462

.0082268

.0084085

.0085915

35

.0071026

.0072849

.0074686

.0076536

.0078399

.0080274

.0082161

.0084059

40

.0069531

.0071414

.0073309

.0075217

.0077136

.0079066

.0081006

.0082956
 

10.00

10.25

10.50

10.75

11.00

11.25

11.50

11.75

1

.0879159

.0880322

.0881486

.0882651

.0883817

.0884983

.0886151

.0887319

2

.0461449

.0462604

.0463760

.0464919

.0466078

.0467240

.0468403

.0469568

3

.0322672

.0323847

.0325024

.0326205

.0327387

.0328572

.0329760

.0330950

5

.0212470

.0213703

.0214939

.0216180

.0217424

.0218673

.0219926

.0221183

7

.0166012

.0167306

.0168607

.0169913

.0171224

.0172542

.0173865

.0175193

10

.0132151

.0133539

.0134935

.0136339

.0137750

.0139169

.0140595

.0142029

15

.0107461

.0108995

.0110540

.0112095

.0113660

.0115234

.0116819

.0118413

20

.0096502

.0098164

.0099838

.0101523

.0103219

.0104926

.0106643

.0108371

25

.0090870

.0092638

.0094418

.0096209

.0098011

.0099824

.0101647

.0103480

30

.0087757

.0089610

.0091474

.0093348

.0095232

.0097126

.0099029

.0100941

35

.0085967

.0087886

.0089813

.0091750

.0093696

.0095649

.0097611

.0099579

40

.0084915

.0086882

.0088857

.0090840

.0092829

.0094826

.0096828

.0098836
                 
 

12.00

12.25

12.50

12.75

13.00

13.25

13.50

13.75

1

.0888488

.0889658

.0890829

.0892000

.0893173

.0894346

.0895520

.0896695

2

.0470735

.0471903

.0473073

.0474245

.0475418

.0476593

.0477770

.0478949

3

.0332143

.0333338

.0334536

.0335737

.0336940

.0338145

.0339353

.0340563

5

.0222444

.0223710

.0224979

.0226253

.0227531

.0228813

.0230098

.0231388

7

.0176527

.0177867

.0179212

.0180563

.0181920

.0183282

.0184649

.0186022

10

.0143471

.0144920

.0146376

.0147840

.0149311

.0150789

.0152274

.0153767

15

.0120017

.0121630

.0123252

.0124884

.0126524

.0128174

.0129832

.0131499

20

.0110109

.0111856

.0113614

.0115381

.0117158

.0118943

.0120737

.0122541

25

.0105322

.0107174

.0109035

.0110905

.0112784

.0114670

.0116564

.0118467

30

.0102861

.0104790

.0106726

.0108669

.0110620

.0112577

.0114541

.0116511

35

.0101555

.0103537

.0105525

.0107520

.0109519

.0111524

.0113534

.0115549

40

.0100850

.0102869

.0104892

.0106920

.0108951

.0110987

.0113026

.0115069
                 
 

14.00

14.25

14.50

14.75

15.00

16.00

17.00

18.00

1

.0897871

.0899048

.0900225

.0901404

.0902583

.0907309

.0912048

.0916800

2

.0480129

.0481311

.0482494

.0483680

.0484866

.0489631

.0494423

.0499241

3

.0341776

.0342992

.0344210

.0345430

.0346653

.0351570

.0356527

.0361524

5

.0232683

.0233981

.0235283

.0236589

.0237899

.0243181

.0248526

.0253934

7

.0187400

.0188784

.0190173

.0191568

.0192968

.0198621

.0204358

.0210178

10

.0155266

.0156773

.0158287

.0159807

.0161335

.0167513

.0173798

.0180185

15

.0133174

.0134858

.0136550

.0138250

.0139959

.0146870

.0153900

.0161042

20

.0124352

.0126172

.0128000

.0129836

.0131679

.0139126

.0146680

.0154331

25

.0120376

.0122293

.0124216

.0126146

.0128083

.0135889

.0143780

.0151743

30

.0118487

.0120469

.0122456

.0124448

.0126444

.0134476

.0142568

.0150709

35

.0117567

.0119590

.0121617

.0123647

.0125681

.0133847

.0142053

.0150289

40

.0117114

.0119162

.0121213

.0123267

.0125322

.0133565

.0141832

.0150118
 

19.00

20.00

21.00

22.00

23.00

24.00

25.00

26.00

1

.0879159

.0880322

.0881486

.0882651

.0883817

.0884983

.0886151

.0887319

2

.0461449

.0462604

.0463760

.0464919

.0466078

.0467240

.0468403

.0469568

3

.0322672

.0323847

.0325024

.0326205

.0327387

.0328572

.0329760

.0330950

5

.0212470

.0213703

.0214939

.0216180

.0217424

.0218673

.0219926

.0221183

7

.0166012

.0167306

.0168607

.0169913

.0171224

.0172542

.0173865

.0175193

10

.0132151

.0133539

.0134935

.0136339

.0137750

.0139169

.0140595

.0142029

15

.0107461

.0108995

.0110540

.0112095

.0113660

.0115234

.0116819

.0118413

20

.0096502

.0098164

.0099838

.0101523

.0103219

.0104926

.0106643

.0108371

25

.0090870

.0092638

.0094418

.0096209

.0098011

.0099824

.0101647

.0103480

30

.0087757

.0089610

.0091474

.0093348

.0095232

.0097126

.0099029

.0100941

35

.0085967

.0087886

.0089813

.0091750

.0093696

.0095649

.0097611

.0099579

40

.0084915

.0086882

.0088857

.0090840

.0092829

.0094826

.0096828

.0098836

for a printable table please click here.
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