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Practical breakdowns of how loans really work, with worked numbers you can check against the calculator.

Equal Payment vs Equal Principal Loan: Interest Gap

Which repayment plan is cheaper? A $20,000 loan at 7.5% over five years shows the exact interest difference.

Watch a modest extra payment shave months off a loan and save money in interest along the way.

Each row of a schedule is simple once you see how principal and interest split changes over time.

Secured and unsecured loans price differently. Compare actual total cost, not just the quoted rate.

From APR to compounding to origination fees: how the final interest figure is really derived.