• November 26, 2025
  • Last Update November 23, 2025 4:33 pm
  • Nairobi

Loan Repayment Tool

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Loan Repayment Tool – Business Toolkit

Loan Repayment Tool

Calculate your monthly repayment, total interest, and full amortization schedule for reducing balance or flat-rate loans. Export a report as a JPEG or PDF image with your results.

Entrepreneur toolkit Bank, SACCO & digital loans Works with any currency
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Tip: Use reducing balance for most bank and SACCO loans. Flat rate is often used by shylocks, digital lenders, or simple hire-purchase agreements – and can be more expensive.
Loan details (single loan)
How much are you borrowing?
KES
Nominal rate per year.
% p.a.
Total repayment period in months.
months
Processing, appraisal or other fees added to cost.
KES
For reducing balance, interest is charged on the remaining balance each month. For flat rate, interest is calculated on the original amount for the whole term.

Please enter valid values for amount, interest rate, and term in months.

The downloaded report includes a footer crediting www.muongi.co.ke.

Loan repayment summary

Enter loan details above and click “Calculate loan” to see your repayment plan.

KES 0
Estimated monthly payment
Loan amount KES 0 Upfront fees: KES 0
Total interest KES 0 Total paid: KES 0
Effective cost KES 0 Approx. APR (simple): 0%

Generated on: —

Month Payment Interest Principal Balance
No schedule yet. Calculate loan to see monthly breakdown (reducing balance only).
Generated with the Loan Repayment Tool – estimates only. Confirm exact terms with your lender.
Created with the Entrepreneur Toolkit on www.muongi.co.ke
Compare two different loans (Loan A vs Loan B)

This quick comparison uses reducing balance (amortized) for both loans. Great for comparing offers from different banks, SACCOs or lenders.

Loan A
KES
% p.a.
months
Optional: add charges & processing fees.
KES
Loan B
KES
% p.a.
months
Optional: add charges & processing fees.
KES

Please fill in valid numbers for both loans to compare.

Loan A
Monthly payment: KES 0
Total interest: KES 0
Total paid: KES 0
Approx. APR: 0%
Loan B
Monthly payment: KES 0
Total interest: KES 0
Total paid: KES 0
Approx. APR: 0%