Calculate the balloon payment amount due at the end of a partially amortized loan. See monthly payments and the lump sum balance remaining.
Balloon Payment Calculator helps you make informed financial decisions using current rates and proven formulas. Adjust the inputs below to match your situation and see your personalized results update in real time.
Results are estimates only. Not financial advice.
🔒 Financial Disclaimer: These calculations are estimates for informational purposes only. Results are not financial advice. Consult a qualified financial advisor before making major financial decisions.
Calculations based on publicly available data from government agencies. Actual results may vary based on individual circumstances.
Personal loan rates — updated April 2026
| Lender | Rate | APR | Est. Payment | Action |
|---|---|---|---|---|
Fast Fund LendingBest Rate | 7.990% | 8.500% | $416/mo | |
Direct Lender Plus | 8.490% | 9.000% | $422/mo | |
Personal Loans Co | 9.490% | 10.100% | $434/mo | |
Credit Builder Loan | 10.990% | 11.500% | $449/mo |
Rates shown are for illustrative purposes. Actual rates may vary based on credit score, loan amount, down payment, and market conditions. Contact lenders directly for personalized rate quotes.
The Balloon Payment Calculator computes the monthly payment for a loan that is amortized over a longer period than the actual loan term, resulting in a large remaining balance (balloon payment) due at the end. The methodology uses standard amortization formulas to calculate what the payment would be if paid over the full amortization period, then determines the remaining balance at the balloon date using the same present value calculation. Balloon loans offer lower monthly payments than fully amortized loans because the borrower is not paying down the principal as quickly. This structure is common in commercial real estate, construction financing, and some niche consumer lending products. The calculator helps borrowers understand their true obligation and plan for the balloon payment—whether through cash on hand, refinancing, or asset sale. The balloon payment amount represents the remaining principal balance at the end of the loan term and must be paid in full to satisfy the loan.
Result: Monthly Payment: $1,074. Balloon Payment at Year 7: $171,210. Total Interest by Year 7: $58,640.
Be the first to know when 2026 tax brackets, mortgage rates, and insurance data change. Plus, get our free Tax Season Checklist PDF.
No spam, ever. Unsubscribe at any time.
Generate a detailed amortization schedule showing how each mortgage payment splits between principal and interest over the life of your loan.
Calculate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI. See your full amortization schedule.
Compare two loan offers side by side. See differences in monthly payments, total interest, and total cost to choose the best deal.
Calculate monthly payments and total interest on a personal loan. Compare terms and rates to find the most affordable repayment plan.