---
title: "Personal Loan Calculator — Monthly Payment & Total Cost (US, UK, Canada, AU)"
description: "Calculate monthly payments and total interest on personal loans. Compare typical APR rates across US, UK, Canada, Australia, and Germany. Free, no ads."
url: "https://worldcalculators.org/calculators/personal-loan/"
canonical: "https://worldcalculators.org/calculators/personal-loan/"
---

# Personal Loan Calculator

Calculate monthly payments and total interest on personal loans. Compare typical APR rates across US, UK, Canada, Australia, and Germany. Free, no ads.

## Quick Answer

A $15,000 loan at 11.5% APR over 5 years: monthly payment = $330 , total interest = $4,798 . At the UK average (8.9%): monthly = $311 , interest = $3,671 . The same loan costs $1,127 more in the US than the UK.

## Sources & Methodology

Monthly payments use the standard amortization formula. Typical APR ranges, maximum terms and consumer protections (e.g. the UK Consumer Credit Act or Canada's criminal interest rate) differ by country.

Source: https://worldcalculators.org/calculators/personal-loan/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.