Loan Calculator — Monthly Payment & Amortization

Calculate monthly payments, total interest, and total cost for any amortized loan using the standard PMT formula.

Loan amount (principal) (SAR)

Annual interest rate (%)

Tenure (years)

Result

Monthly payment

Total interest

Total payment

Tenure (months)

Month	Principal	Interest	Balance

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How is this calculated?

PMT = P × r / (1 − (1 + r)⁻ⁿ) where P = principal, r = monthly rate (annual / 12 / 100), n = total months. Total interest = (PMT × n) − P.

Enter the annual rate as a percentage, e.g. 5 for 5%. This calculator uses the reducing-balance (declining-balance) method used by most Saudi banks.
These calculators are for informational purposes only and are not financial, tax, legal, or professional advice. Verify the result with an official source or qualified advisor.