utils.asiaLoan Repayment Planner
Model reducing balance vs fixed-installment schedules in seconds.
Configure loan
Loan Repayment Planner
Preview monthly payments, interest split, and total cost before you sign the term sheet.
"Dư nợ giảm dần" keeps principal constant per month; fixed payment holds the total installment steady.
20 years · 240 months
Payment summary
Declining balance25.000.000 ₫
First month payment; installments step down as principal decreases.
Total interest
2.008.333.333 ₫
Total paid
4.008.333.333 ₫
Average monthly
16.701.389 ₫
Across full schedule
Final installment
8.402.778 ₫
Month 240
Installment timeline
Showing 6 of 240 months
| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 25.000.000 ₫ | 8.333.333 ₫ | 16.666.667 ₫ | 1.991.666.667 ₫ |
| 2 | 24.930.556 ₫ | 8.333.333 ₫ | 16.597.222 ₫ | 1.983.333.333 ₫ |
| 3 | 24.861.111 ₫ | 8.333.333 ₫ | 16.527.778 ₫ | 1.975.000.000 ₫ |
| 4 | 24.791.667 ₫ | 8.333.333 ₫ | 16.458.333 ₫ | 1.966.666.667 ₫ |
| 5 | 24.722.222 ₫ | 8.333.333 ₫ | 16.388.889 ₫ | 1.958.333.333 ₫ |
| 6 | 24.652.778 ₫ | 8.333.333 ₫ | 16.319.444 ₫ | 1.950.000.000 ₫ |
Common questions
How does Loan Repayment Planner work?
All processing happens in your browser tab—no server round-trips, no hidden logging, and no throttling.
Can I trust the output for production?
Every tool is intentionally minimal, runs client-side, and is tested against common SEO and growth workflows. Validate critical data before publishing.
Will this tool stay free?
Yes. The core library remains free to use. Future subscription tiers will only unlock premium batching or API endpoints.