{"id":4624,"date":"2026-10-14T14:45:28","date_gmt":"2026-10-14T14:45:28","guid":{"rendered":"https:\/\/nel-media.com\/en\/?page_id=4624"},"modified":"2026-10-14T14:43:01","modified_gmt":"2026-10-14T14:43:01","slug":"loan-calculator-us","status":"publish","type":"page","link":"https:\/\/nel-media.com\/en\/loan-calculator-us","title":{"rendered":"loan calculator (US): Mortgage , Auto &amp; extra payments"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-background is-layout-constrained wp-container-core-group-is-layout-42b66ced wp-block-group-is-layout-constrained\" style=\"background-color:#008080;min-height:0px;margin-top:0;margin-bottom:0;padding-top:3.5rem;padding-right:5%;padding-bottom:3.5rem;padding-left:5%\">\n<div class=\"wp-block-columns alignwide are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-5020e097 wp-block-columns-is-layout-flex\" style=\"margin-bottom:0rem;padding-bottom:0rem\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-color has-link-color wp-elements-1 wp-block-paragraph\" style=\"color:#f6e7bf;margin-top:0;margin-bottom:0;font-style:normal;font-weight:500\"><em>NELMEDIA<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-link-color has-x-large-font-size wp-elements-2\">loan calculator (US): Mortgage , Auto &amp; extra payments<\/h2>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\">This loan calculator shows your monthly payment, total interest, and how much you save with extra payments.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image aligncenter size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/nel-media.com\/en\/wp-content\/uploads\/2026\/10\/Loan-calculator-2.jpg\" alt=\"Advanced Loan calculator (US)\" class=\"has-border-color wp-image-4635\" style=\"border-color:#fae7b2;border-width:8px;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-left-radius:20px;border-bottom-right-radius:0px\" srcset=\"https:\/\/nel-media.com\/en\/wp-content\/uploads\/2026\/10\/Loan-calculator-2.jpg 500w, https:\/\/nel-media.com\/en\/wp-content\/uploads\/2026\/10\/Loan-calculator-2-300x300.jpg 300w, https:\/\/nel-media.com\/en\/wp-content\/uploads\/2026\/10\/Loan-calculator-2-150x150.jpg 150w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull max-width: 800px; margin-left: auto; margin-right: padding-left: 0 !important; padding-right: has-border-color has-cyan-bluish-gray-border-color has-palette-color-8-background-color has-background is-layout-constrained wp-container-core-group-is-layout-250c8cd2 wp-block-group-is-layout-constrained\" style=\"border-width:2px;margin-top:0rem;margin-bottom:0rem;padding-top:3.5rem;padding-right:5%;padding-bottom:3.5rem;padding-left:5%\">\n<p class=\"wp-block-paragraph\">Choose mortgage, auto, or personal loan, enter the amount, rate, and term, then see the impact of a down payment and closing costs. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For mortgages under 20% down it also estimates PMI. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Use it before you compare lender offers. Two loans with the same rate can cost very different amounts once fees and term length are included.<\/p>\n\n\n\n<style>\n.usl-wrap{font-family:var(--theme-font-family,inherit);font-size:var(--theme-font-size,inherit);font-weight:var(--theme-font-weight,inherit);line-height:var(--theme-line-height,inherit);color:var(--theme-text-color,inherit);max-width:880px;margin:0 auto;padding:16px;box-sizing:border-box}\n.usl-wrap *,.usl-wrap *::before,.usl-wrap *::after{box-sizing:border-box}\n.usl-card{background:#fff;border:1px solid #d7dde8;border-radius:18px;padding:22px;box-shadow:0 8px 24px rgba(16,24,40,.06)}\n.usl-card h2{margin:0 0 6px;font-family:inherit;font-size:1.25em}\n.usl-sub{margin:0 0 18px;color:#5b6573}\n.usl-grid{display:grid;gap:12px;grid-template-columns:1fr 1fr}\n.usl-field{display:flex;flex-direction:column;gap:6px}\n.usl-field.full{grid-column:1\/-1}\n.usl-wrap label{font-weight:600}\n.usl-wrap input,.usl-wrap select{width:100%;height:auto!important;min-height:48px;border:1px solid #d7dde8;border-radius:12px;padding:12px 14px!important;font-family:inherit;font-size:var(--theme-form-font-size,inherit);line-height:1.3!important;color:inherit;background:#fff;appearance:auto}\n.usl-result{margin-top:16px;display:grid;gap:12px}\n.usl-hero{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;background:linear-gradient(180deg,#1d4ed8 0%,#1e3a8a 100%);border-radius:16px;padding:16px}\n.usl-hero,.usl-hero div,.usl-hero span,.usl-hero strong{color:#fff!important}\n.usl-hero span{display:block;font-size:.8em;opacity:.92!important}\n.usl-hero strong{font-size:1.12em}\n.usl-box{border:1px solid #d7dde8;border-radius:14px;padding:14px;background:#f8fafc}\n.usl-row{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px dashed #d7dde8}\n.usl-row:last-child{border-bottom:0;font-weight:700}\n.usl-note{margin-top:12px;background:#f3f4f6;color:#4b5563;border-radius:12px;padding:12px 14px;font-size:.95em}\n@media(max-width:740px){.usl-grid,.usl-hero{grid-template-columns:1fr}}\n<\/style>\n\n<div class=\"usl-wrap\">\n  <div class=\"usl-card\">\n    <h2>US Loan Calculator<\/h2>\n    <p class=\"usl-sub\">Monthly payment, total interest, PMI estimate, closing costs and extra payment savings.<\/p>\n\n    <div class=\"usl-grid\">\n      <div class=\"usl-field full\">\n        <label>Loan type<\/label>\n        <select id=\"uslType\">\n          <option value=\"mortgage\">Mortgage (home)<\/option>\n          <option value=\"auto\">Auto loan<\/option>\n          <option value=\"personal\">Personal loan<\/option>\n        <\/select>\n      <\/div>\n      <div class=\"usl-field\">\n        <label>Loan amount ($)<\/label>\n        <input id=\"uslAmount\" type=\"number\" min=\"0\" step=\"1000\" value=\"350000\">\n      <\/div>\n      <div class=\"usl-field\">\n        <label>Down payment ($)<\/label>\n        <input id=\"uslDown\" type=\"number\" min=\"0\" step=\"1000\" value=\"70000\">\n      <\/div>\n      <div class=\"usl-field\">\n        <label>Annual interest rate (%)<\/label>\n        <input id=\"uslRate\" type=\"number\" min=\"0\" step=\"0.01\" value=\"6.75\">\n      <\/div>\n      <div class=\"usl-field\">\n        <label>Term (years)<\/label>\n        <input id=\"uslYears\" type=\"number\" min=\"1\" max=\"40\" step=\"1\" value=\"30\">\n      <\/div>\n      <div class=\"usl-field\">\n        <label>Closing costs ($)<\/label>\n        <input id=\"uslClosing\" type=\"number\" min=\"0\" step=\"500\" value=\"8000\">\n      <\/div>\n      <div class=\"usl-field\">\n        <label>Extra monthly payment ($)<\/label>\n        <input id=\"uslExtra\" type=\"number\" min=\"0\" step=\"50\" value=\"0\">\n      <\/div>\n    <\/div>\n\n    <div class=\"usl-result\" id=\"uslResult\"><\/div>\n    <div class=\"usl-note\">Estimate only. PMI shown only for mortgages under 20% down. Extra payments reduce principal and shorten the term.<\/div>\n  <\/div>\n<\/div>\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function () {\n  function $(id) { return document.getElementById(id); }\n  function money(n) { return \"$\" + Math.round(Number(n) || 0).toLocaleString(\"en-US\"); }\n\n  var typeEl = $(\"uslType\");\n  var amountEl = $(\"uslAmount\");\n  var downEl = $(\"uslDown\");\n  var rateEl = $(\"uslRate\");\n  var yearsEl = $(\"uslYears\");\n  var closeEl = $(\"uslClosing\");\n  var extraEl = $(\"uslExtra\");\n  var resultEl = $(\"uslResult\");\n\n  if (!resultEl) return;\n\n  function annuity(p, r, n) {\n    if (r === 0) return p \/ n;\n    var f = Math.pow(1 + r, n);\n    return p * r * f \/ (f - 1);\n  }\n\n  function simulate(principal, annualRate, months, extra) {\n    var r = annualRate \/ 100 \/ 12;\n    var balance = principal;\n    var paid = 0;\n    var interest = 0;\n    var count = 0;\n    var base = annuity(principal, r, months);\n\n    while (balance > 1 && count < 600) {\n      var intThis = balance * r;\n      var pay = base + extra;\n      if (pay > balance + intThis) pay = balance + intThis;\n      var prin = Math.max(0, pay - intThis);\n      balance -= prin;\n      paid += pay;\n      interest += intThis;\n      count++;\n    }\n    return { payment: base, paid: paid, interest: interest, months: count };\n  }\n\n  function calc() {\n    var amount = parseFloat(amountEl.value) || 0;\n    var down = parseFloat(downEl.value) || 0;\n    var rate = parseFloat(rateEl.value) || 0;\n    var years = parseFloat(yearsEl.value) || 0;\n    var closing = parseFloat(closeEl.value) || 0;\n    var extra = parseFloat(extraEl.value) || 0;\n    var type = typeEl.value;\n    var months = Math.round(years * 12);\n\n    if (amount <= 0 || years <= 0) {\n      resultEl.innerHTML = '<div class=\"usl-note\">Enter loan amount and term.<\/div>';\n      return;\n    }\n\n    var principal = Math.max(0, amount - down);\n    var downPct = amount > 0 ? (down \/ amount * 100) : 0;\n    var pmi = (type === \"mortgage\" && downPct < 20) ? (principal * 0.005 \/ 12) : 0;\n\n    var normal = simulate(principal, rate, months, 0);\n    var faster = extra > 0 ? simulate(principal, rate, months, extra) : normal;\n    var totalCost = normal.paid + closing + (pmi * Math.min(normal.months, 84));\n    var saved = extra > 0 ? (normal.interest - faster.interest) : 0;\n    var monthsSaved = extra > 0 ? (normal.months - faster.months) : 0;\n\n    var html = '<div class=\"usl-hero\">' +\n      '<div><span>Monthly payment<\/span><strong>' + money(normal.payment + pmi) + '<\/strong><\/div>' +\n      '<div><span>Total interest<\/span><strong>' + money(normal.interest) + '<\/strong><\/div>' +\n      '<div><span>Total cost<\/span><strong>' + money(totalCost) + '<\/strong><\/div>' +\n      '<\/div>' +\n      '<div class=\"usl-box\">' +\n      '<div class=\"usl-row\"><span>Amount financed<\/span><span>' + money(principal) + '<\/span><\/div>' +\n      '<div class=\"usl-row\"><span>Down payment<\/span><span>' + money(down) + ' (' + downPct.toFixed(1) + '%)<\/span><\/div>' +\n      '<div class=\"usl-row\"><span>Rate<\/span><span>' + rate + '%<\/span><\/div>' +\n      '<div class=\"usl-row\"><span>Payments<\/span><span>' + normal.months + '<\/span><\/div>' +\n      '<div class=\"usl-row\"><span>Closing costs<\/span><span>' + money(closing) + '<\/span><\/div>' +\n      (pmi > 0 ? '<div class=\"usl-row\"><span>Est. PMI \/ mo<\/span><span>' + money(pmi) + '<\/span><\/div>' : '') +\n      '<div class=\"usl-row\"><span>P&I payment<\/span><span>' + money(normal.payment) + '<\/span><\/div>' +\n      '<\/div>';\n\n    if (extra > 0) {\n      html += '<div class=\"usl-box\">' +\n        '<div class=\"usl-row\"><span>Payment + extra<\/span><span>' + money(normal.payment + extra + pmi) + '<\/span><\/div>' +\n        '<div class=\"usl-row\"><span>New term<\/span><span>' + Math.floor(faster.months \/ 12) + ' yrs ' + (faster.months % 12) + ' mo<\/span><\/div>' +\n        '<div class=\"usl-row\"><span>Interest saved<\/span><span>' + money(saved) + '<\/span><\/div>' +\n        '<div class=\"usl-row\"><span>Months saved<\/span><span>' + monthsSaved + '<\/span><\/div>' +\n        '<\/div>';\n    }\n\n    resultEl.innerHTML = html;\n  }\n\n  [\"uslType\",\"uslAmount\",\"uslDown\",\"uslRate\",\"uslYears\",\"uslClosing\",\"uslExtra\"].forEach(function(id) {\n    var el = $(id);\n    if (el) {\n      el.addEventListener(\"input\", calc);\n      el.addEventListener(\"change\", calc);\n    }\n  });\n\n  calc();\n});\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">How the loan calculator works<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It uses the standard fixed-rate amortization formula:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><math xmlns=\"http:\/\/www.w3.org\/1998\/Math\/MathML\" display=\"block\"><semantics style=\"color: black; background-color: transparent; font-family: sans-serif;\"><mrow style=\"color: black; background-color: transparent; font-family: sans-serif;\"><mi style=\"color: black; background-color: transparent; font-family: sans-serif;\">A<\/mi><mo style=\"color: black; background-color: transparent; font-family: sans-serif;\">=<\/mo><mi style=\"color: black; background-color: transparent; font-family: sans-serif;\">P<\/mi><mo style=\"color: black; background-color: transparent; font-family: sans-serif;\">\u22c5<\/mo><mfrac style=\"color: black; background-color: transparent; font-family: sans-serif;\"><mrow style=\"color: black; background-color: transparent; font-family: sans-serif;\"><mi style=\"color: black; background-color: transparent; font-family: sans-serif;\">r<\/mi><mo stretchy=\"false\" style=\"color: black; background-color: transparent; font-family: sans-serif;\">(<\/mo><mn style=\"color: black; background-color: transparent; font-family: sans-serif;\">1<\/mn><mo style=\"color: black; background-color: transparent; font-family: sans-serif;\">+<\/mo><mi style=\"color: black; background-color: transparent; font-family: sans-serif;\">r<\/mi><msup style=\"color: black; background-color: transparent; font-family: sans-serif;\"><mo stretchy=\"false\" style=\"color: black; background-color: transparent; font-family: sans-serif;\">)<\/mo><mi style=\"color: black; background-color: transparent; font-family: sans-serif;\">n<\/mi><\/msup><\/mrow><mrow style=\"color: black; background-color: transparent; font-family: sans-serif;\"><mo stretchy=\"false\" style=\"color: black; background-color: transparent; font-family: sans-serif;\">(<\/mo><mn style=\"color: black; background-color: transparent; font-family: sans-serif;\">1<\/mn><mo style=\"color: black; background-color: transparent; font-family: sans-serif;\">+<\/mo><mi style=\"color: black; background-color: transparent; font-family: sans-serif;\">r<\/mi><msup style=\"color: black; background-color: transparent; font-family: sans-serif;\"><mo stretchy=\"false\" style=\"color: black; background-color: transparent; font-family: sans-serif;\">)<\/mo><mi style=\"color: black; background-color: transparent; font-family: sans-serif;\">n<\/mi><\/msup><mo style=\"color: black; background-color: transparent; font-family: sans-serif;\">\u2212<\/mo><mn style=\"color: black; background-color: transparent; font-family: sans-serif;\">1<\/mn><\/mrow><\/mfrac><\/mrow><annotation encoding=\"application\/x-tex\" style=\"color: black; background-color: transparent; font-family: sans-serif;\">A = P \\cdot \\frac{r(1+r)^n}{(1+r)^n &#8211; 1}<\/annotation><\/semantics><\/math><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">where (P) is the amount financed, (r) is the monthly rate, and (n) is the number of months.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What it includes<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan amount and down payment<\/li>\n\n\n\n<li>Annual interest rate and term<\/li>\n\n\n\n<li>Closing costs (added to total cost)<\/li>\n\n\n\n<li>Estimated PMI on mortgages when down payment is below 20%<\/li>\n\n\n\n<li>Extra monthly payment that goes to principal and shortens the term<\/li>\n\n\n\n<li>Total interest and total cost<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage vs auto vs personal<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgages often have PMI and higher closing costs. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Auto loans are usually shorter and have no PMI. Personal loans are unsecured and typically carry higher rates. The calculator adjusts the display accordingly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Extra payments<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Any amount you enter above the required payment is applied to principal. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This reduces the balance faster, lowers total interest, and shortens the payoff time. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders may have rules about how extra payments are applied , check your note.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-private-mortgage-insurance-en-122\/\" data-type=\"link\" data-id=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-private-mortgage-insurance-en-122\/\" target=\"_blank\" rel=\"noopener\">CFPB \u2013 What is PMI?<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage calculator : FAQ<\/h2>\n\n\n<div class=\"nelmedia-faq nelmedia-faq--accordion\" id=\"nmfaq-1\"><div class=\"nelmedia-faq__item\" style=\"border:2px solid #0693e3;border-radius:8px;overflow:hidden;margin-bottom:1em;\"><button class=\"nelmedia-faq__trigger nelmedia-faq__trigger--h3\" aria-expanded=\"false\" aria-controls=\"nmfaq-1-0\" style=\"background:#3893c7;color:#ffffff;margin:0;padding:14px;width:100%;text-align:left;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1em;border:none;font:inherit;\"><span class=\"nelmedia-faq__question-text\">How much will my monthly payment be?<\/span><span class=\"nelmedia-faq__icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"nelmedia-faq__chevron\" aria-hidden=\"true\"><polyline points=\"6 9 12 15 18 9\"><\/polyline><\/svg><\/span><\/button><div class=\"nelmedia-faq__answer\" id=\"nmfaq-1-0\" role=\"region\" hidden style=\"padding:14px;margin:0;\"><p style=\"margin:0;\">Enter the amount financed (loan minus down payment), the annual rate, and the term in years. The calculator returns the principal-and-interest payment. Add any estimated PMI if it appears.<\/p><\/div><\/div><div class=\"nelmedia-faq__item\" style=\"border:2px solid #0693e3;border-radius:8px;overflow:hidden;margin-bottom:1em;\"><button class=\"nelmedia-faq__trigger nelmedia-faq__trigger--h3\" aria-expanded=\"false\" aria-controls=\"nmfaq-1-1\" style=\"background:#3893c7;color:#ffffff;margin:0;padding:14px;width:100%;text-align:left;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1em;border:none;font:inherit;\"><span class=\"nelmedia-faq__question-text\">What is PMI and when does it apply?<\/span><span class=\"nelmedia-faq__icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"nelmedia-faq__chevron\" aria-hidden=\"true\"><polyline points=\"6 9 12 15 18 9\"><\/polyline><\/svg><\/span><\/button><div class=\"nelmedia-faq__answer\" id=\"nmfaq-1-1\" role=\"region\" hidden style=\"padding:14px;margin:0;\"><p style=\"margin:0;\">Private mortgage insurance is usually required on conventional mortgages when you put less than 20% down. This tool estimates it at roughly 0.5% of the loan amount per year. Actual PMI varies by credit score and lender and can be cancelled once you reach 20% equity.<\/p><\/div><\/div><div class=\"nelmedia-faq__item\" style=\"border:2px solid #0693e3;border-radius:8px;overflow:hidden;margin-bottom:1em;\"><button class=\"nelmedia-faq__trigger nelmedia-faq__trigger--h3\" aria-expanded=\"false\" aria-controls=\"nmfaq-1-2\" style=\"background:#3893c7;color:#ffffff;margin:0;padding:14px;width:100%;text-align:left;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1em;border:none;font:inherit;\"><span class=\"nelmedia-faq__question-text\">Do extra payments save money?<\/span><span class=\"nelmedia-faq__icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"nelmedia-faq__chevron\" aria-hidden=\"true\"><polyline points=\"6 9 12 15 18 9\"><\/polyline><\/svg><\/span><\/button><div class=\"nelmedia-faq__answer\" id=\"nmfaq-1-2\" role=\"region\" hidden style=\"padding:14px;margin:0;\"><p style=\"margin:0;\">Yes in most cases. Paying extra each month reduces the principal on which interest is calculated. The bigger the remaining balance and the higher the rate, the more you save. Confirm with your lender that extra amounts go to principal and that there is no prepayment penalty.<\/p><\/div><\/div><\/div>\n\n\n<div class=\"wp-block-group has-border-color has-palette-color-3-border-color has-palette-color-8-background-color has-background is-layout-constrained wp-container-core-group-is-layout-4b2d13ed wp-block-group-is-layout-constrained\" style=\"border-width:3px;border-top-left-radius:16px;border-top-right-radius:16px;border-bottom-left-radius:16px;border-bottom-right-radius:16px;margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--30);padding-bottom:0;padding-left:var(--wp--preset--spacing--30)\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\" style=\"margin-bottom:var(--wp--preset--spacing--50)\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"200\" src=\"https:\/\/nel-media.com\/en\/wp-content\/uploads\/2024\/05\/Newsletter-form.jpg\" alt=\"Newsletter form\" class=\"wp-image-2407\" style=\"width:621px;height:auto\" srcset=\"https:\/\/nel-media.com\/en\/wp-content\/uploads\/2024\/05\/Newsletter-form.jpg 600w, https:\/\/nel-media.com\/en\/wp-content\/uploads\/2024\/05\/Newsletter-form-300x100.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Get the latest news!<\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Useful tips directly to your inbox &#8211; once a week, free of charge.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons .prijavanovosti is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-99f14cd1 wp-block-buttons-is-layout-flex\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-button .prijavanovosti 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select { box-shadow: 0px 0px 5px 0px rgba(0,0,0,0.5); }\n.fluentform.fluentform_wrapper_4.ff_guten_block.ff_guten_block-4 .ff_submit_btn_wrapper { text-align: center; }\n.fluentform.fluentform_wrapper_4.ff_guten_block.ff_guten_block-4 .ff-el-form-check label { font-size: 18px;; }\n<\/style><div class='fluentform ff-inherit-theme-style fluentform_wrapper_4  ff_guten_block ff_guten_block-4'><form data-form_id=\"4\" id=\"fluentform_4\" class=\"frm-fluent-form fluent_form_4 ff-el-form-top ff_form_instance_4_1 ff-form-loading ffs_inherit_theme\" data-form_instance=\"ff_form_instance_4_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Newsletter (Nelmedia ENG)<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='4624' \/><input type=\"hidden\" id=\"_fluentform_4_fluentformnonce\" name=\"_fluentform_4_fluentformnonce\" value=\"6fa6116d98\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/en\/wp-json\/wp\/v2\/pages\/4624\" \/><div data-type=\"name-element\" data-name=\"names_1\" class=\" ff-field_container ff-name-field-wrapper\" ><div class='ff-t-container'><div class='ff-t-cell '><div class='ff-el-group  ff-el-form-top'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_4_names_1_first_name_' id='label_ff_4_names_1_first_name_'>First Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names_1[first_name]\" id=\"ff_4_names_1_first_name_\" class=\"ff-el-form-control\" placeholder=\"Your Esteemed Name\" autocomplete=\"given-name\" aria-invalid=\"false\" aria-required=true><\/div><\/div><\/div><div class='ff-t-cell '><div class='ff-el-group  ff-el-form-top'><div class=\"ff-el-input--label asterisk-right\"><label for='ff_4_names_1_last_name_' id='label_ff_4_names_1_last_name_'>Last Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"names_1[last_name]\" id=\"ff_4_names_1_last_name_\" class=\"ff-el-form-control\" placeholder=\"Last Name\" autocomplete=\"family-name\" aria-invalid=\"false\" aria-required=false><\/div><\/div><\/div><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_4_email_1' id='label_ff_4_email_1'>Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email_1\" id=\"ff_4_email_1\" class=\"ff-el-form-control\" placeholder=\"Your Email Address\" autocomplete=\"email\" data-name=\"email_1\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label  >Please check to agree with our privacy policy.<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for='checkbox_6c3d7c020a530d0a63b6005cee237220'><input  type=\"checkbox\" name=\"checkbox[]\" data-name=\"checkbox\" class=\"ff-el-form-check-input ff-el-form-check-checkbox\" value=\" Yes, I agree with your Privacy Policy.\"  id='checkbox_6c3d7c020a530d0a63b6005cee237220' aria-label='Yes, I agree with your Privacy Policy.' aria-invalid='false' aria-required=true> <span> Yes, I agree with your Privacy Policy.<\/span><\/label><\/div><\/div><\/div><div class='ff-el-group ff-text-right ff_submit_btn_wrapper'><button type=\"submit\" class=\"ff-btn ff-btn-submit ff-btn-md ff_btn_no_style\"  aria-label=\"Send\">Send<\/button><\/div><\/fieldset><\/form><div id='fluentform_4_errors' class='ff-errors-in-stack ff_form_instance_4_1 ff-form-loading_errors ff_form_instance_4_1_errors'><\/div><\/div>            <script type=\"text\/javascript\">\n                window.fluent_form_ff_form_instance_4_1 = {\"id\":\"4\",\"ajaxUrl\":\"https:\\\/\\\/nel-media.com\\\/en\\\/wp-admin\\\/admin-ajax.php\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_4_1\",\"form_id_selector\":\"fluentform_4\",\"rules\":{\"names_1[first_name]\":{\"required\":{\"value\":true,\"message\":\"This field is required\",\"global\":false,\"global_message\":\"This field is required\"}},\"names_1[middle_name]\":{\"required\":{\"value\":false,\"message\":\"This field is required\",\"global\":false,\"global_message\":\"This field is required\"}},\"names_1[last_name]\":{\"required\":{\"value\":false,\"message\":\"This field is 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<\/div><button class=\"wp-block-cloudcatch-light-modal-block__close\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"14\" viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M24 1.2 22.8 0 12 10.8 1.2 0 0 1.2 10.8 12 0 22.8 1.2 24 12 13.2 22.8 24l1.2-1.2L13.2 12 24 1.2z\"><\/path><\/svg><\/button><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Run the numbers in this loan calculator before you sign. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compare the monthly payment, total interest, and the effect of even a modest extra payment. The rate alone does not tell you the full cost once down payment, closing costs, and PMI are included.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Drop your loan type, amount, and rate in the comments if you want a breakdown, or tell us which calculator to build next (refinance, credit card payoff, or student loan).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><em>Related reading:<\/em><\/h2>\n\n\n\n<ul style=\"line-height:1.9\" class=\"wp-block-list\">\n<li><a href=\"https:\/\/nel-media.com\/en\/advanced-youtube-earnings-calculator\"><strong><em>Advanced YouTube Earnings calculator : Ads Shorts &amp; Deals<\/em><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/nel-media.com\/en\/free-heic-to-jpg-converter-tool\"><strong><em>Free HEIC to JPG Converter : Convert Instantly in Your Browser<\/em><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/nel-media.com\/en\/remove-background-from-image-free-tool\"><strong><em>Remove Background from Image Free \u2013 Online Background Remover<\/em><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/nel-media.com\/en\/free-qr-generator-tool\"><strong><em>Free QR Generator Tool for Events, Links, Text, vCards &amp; More<\/em><\/strong><\/a><\/li>\n\n\n\n<li>\ud83c\udfe0\ufe0e <strong><a href=\"https:\/\/nel-media.com\/en\/\" data-type=\"link\" data-id=\"https:\/\/nel-media.com\/en\/\"><em>Return to the home page<\/em><\/a><\/strong> <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>NELMEDIA loan calculator (US): Mortgage , Auto &amp; extra payments This loan calculator shows your monthly payment, total interest, and how much you save with extra payments. Choose mortgage, auto, or personal loan, enter the amount, rate, and term, then see the impact of a down payment and closing costs. For mortgages under 20% down [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-4624","page","type-page","status-publish","hentry"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"Darko Nelson","author_link":"https:\/\/nel-media.com\/en\/author\/enadmin"},"uagb_comment_info":0,"uagb_excerpt":"NELMEDIA loan calculator (US): Mortgage , Auto &amp; extra payments This loan calculator shows your monthly payment, total interest, and how much you save with extra payments. Choose mortgage, auto, or personal loan, enter the amount, rate, and term, then see the impact of a down payment and closing costs. For mortgages under 20% down&hellip;","_links":{"self":[{"href":"https:\/\/nel-media.com\/en\/wp-json\/wp\/v2\/pages\/4624","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nel-media.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nel-media.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nel-media.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nel-media.com\/en\/wp-json\/wp\/v2\/comments?post=4624"}],"version-history":[{"count":13,"href":"https:\/\/nel-media.com\/en\/wp-json\/wp\/v2\/pages\/4624\/revisions"}],"predecessor-version":[{"id":4640,"href":"https:\/\/nel-media.com\/en\/wp-json\/wp\/v2\/pages\/4624\/revisions\/4640"}],"wp:attachment":[{"href":"https:\/\/nel-media.com\/en\/wp-json\/wp\/v2\/media?parent=4624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}