Loan Balance Calculator

This calculator will help you to determine the current balance of a loan when payments that have been made have been different from those stipulated in the original loan terms. Learn more about calculating balances on debt, and ways to reduced debt, see debt management and get a free counseling session with an experienced and certified debt counselor by filling out the form to the right.


Enter the original loan terms, the month and year of the loan origination and the number of months that have past since that time. Then click the “Create Loan Balance Calculator” button. This will create a payment schedule beneath the button that will include editable payment fields equal to the number of months past.

Original principal amount borrowed:

Annual interest rate:

Original loan term (# of months):

Original monthly payment amount:

Month and year of first payment:
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Number of months gone by: