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Not Financial Advice. This calculator is for educational purposes only. Results are estimates and do not constitute professional financial, legal, or tax advice. Consult a certified financial professional before making decisions. Full disclaimer →

Loan Life Cost Calculator

How much life does
your loan cost?

Adjust the sliders below to see your loan's true cost — measured in hours of your life.

💰Loan Amount
$25,000
📈Interest Rate
7.5%
📅Loan Term
5 yrs
⏰Hourly Wage
$25
📋
Monthly Payment
$501
🔥
Total Interest
$5057
⏳
Hours Lost to Interest
1mo 3d 2h
💀
Work Days Lost
25 days
Payment Breakdown
✓ Principal$25000
✗ Interest$5057
Total Repaid$30,057
Your Time — Visualized
Principal
5mo 16d
Interest
1mo 3d 2h
Total
6mo 20d 2h
💸

You'll work 1mo 3d 2h just to pay interest. That's 5.1 work weeks of your life — gone.

Yearly Breakdown
Yr 1
$20718
Yr 2
$16104
Yr 3
$11132
Yr 4
$5774
Yr 5
$0
Principal
Interest
Remaining balance →