Student Darlehens Interest Rechner — Formel
How Student Loan Interest Works
Interest accrues daily on your outstanding balance.
Total Interest Formula
Total Interest = (Monthly Payment x Number of Payments) - Principal
Daily Interest
Daily Interest = Balance x (Annual Rate / 365)
Early payments are mostly interest; later payments are mostly principal.
Lösungsbeispiel
A $30,000 loan at 6% interest over 10 years.
- Monthly rate = 6% / 12 = 0.5%
- Monthly payment = $333.06
- Total paid = $333.06 x 120 = $39,967
- Total interest = $39,967 - $30,000 = $9,967
- Interest as % of principal = ($9,967 / $30,000) x 100 = 33.2%