Loan instalment calculator — 2026
Calculate your loan instalment and its real cost. Enter the amount, interest rate and term, choose equal or decreasing instalments — the calculator returns the instalment, total cost and APR (RRSO), including commission.
Typical 2026 rates:
Commission is financed (added to the amount and spread over instalments). APR is computed numerically per the Consumer Credit Act formula (annual compounding). APR excludes insurance or other fees unless entered as commission.
Estimate only. Your actual rate depends on the bank, BIK score, down payment and promotions — check the binding representative example with the lender. Not an offer or financial advice.
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