Navy Federal Loan Calculator
Calculate monthly payments, total interest, and loan affordability for Navy Federal Credit Union loans
Results
Payment Schedule (Amortization Table)
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | November 1, 2025 | $25,000.00 | $362.95 | $114.58 | $0.00 | $477.53 | $24,637.05 |
| 2 | December 1, 2025 | $24,637.05 | $364.61 | $112.92 | $0.00 | $477.53 | $24,272.45 |
| 3 | January 1, 2026 | $24,272.45 | $366.28 | $111.25 | $0.00 | $477.53 | $23,906.16 |
| 4 | February 1, 2026 | $23,906.16 | $367.96 | $109.57 | $0.00 | $477.53 | $23,538.21 |
| 5 | March 1, 2026 | $23,538.21 | $369.65 | $107.88 | $0.00 | $477.53 | $23,168.56 |
| 6 | April 1, 2026 | $23,168.56 | $371.34 | $106.19 | $0.00 | $477.53 | $22,797.22 |
| 7 | May 1, 2026 | $22,797.22 | $373.04 | $104.49 | $0.00 | $477.53 | $22,424.18 |
| 8 | June 1, 2026 | $22,424.18 | $374.75 | $102.78 | $0.00 | $477.53 | $22,049.43 |
| 9 | July 1, 2026 | $22,049.43 | $376.47 | $101.06 | $0.00 | $477.53 | $21,672.96 |
| 10 | August 1, 2026 | $21,672.96 | $378.19 | $99.33 | $0.00 | $477.53 | $21,294.76 |
| 11 | September 1, 2026 | $21,294.76 | $379.93 | $97.60 | $0.00 | $477.53 | $20,914.83 |
| 12 | October 1, 2026 | $20,914.83 | $381.67 | $95.86 | $0.00 | $477.53 | $20,533.17 |
| 13 | November 1, 2026 | $20,533.17 | $383.42 | $94.11 | $0.00 | $477.53 | $20,149.75 |
| 14 | December 1, 2026 | $20,149.75 | $385.18 | $92.35 | $0.00 | $477.53 | $19,764.57 |
| 15 | January 1, 2027 | $19,764.57 | $386.94 | $90.59 | $0.00 | $477.53 | $19,377.63 |
| 16 | February 1, 2027 | $19,377.63 | $388.71 | $88.81 | $0.00 | $477.53 | $18,988.91 |
| 17 | March 1, 2027 | $18,988.91 | $390.50 | $87.03 | $0.00 | $477.53 | $18,598.42 |
| 18 | April 1, 2027 | $18,598.42 | $392.29 | $85.24 | $0.00 | $477.53 | $18,206.13 |
| 19 | May 1, 2027 | $18,206.13 | $394.08 | $83.44 | $0.00 | $477.53 | $17,812.05 |
| 20 | June 1, 2027 | $17,812.05 | $395.89 | $81.64 | $0.00 | $477.53 | $17,416.16 |
| 21 | July 1, 2027 | $17,416.16 | $397.71 | $79.82 | $0.00 | $477.53 | $17,018.45 |
| 22 | August 1, 2027 | $17,018.45 | $399.53 | $78.00 | $0.00 | $477.53 | $16,618.92 |
| 23 | September 1, 2027 | $16,618.92 | $401.36 | $76.17 | $0.00 | $477.53 | $16,217.56 |
| 24 | October 1, 2027 | $16,217.56 | $403.20 | $74.33 | $0.00 | $477.53 | $15,814.37 |
| 25 | November 1, 2027 | $15,814.37 | $405.05 | $72.48 | $0.00 | $477.53 | $15,409.32 |
| 26 | December 1, 2027 | $15,409.32 | $406.90 | $70.63 | $0.00 | $477.53 | $15,002.42 |
| 27 | January 1, 2028 | $15,002.42 | $408.77 | $68.76 | $0.00 | $477.53 | $14,593.65 |
| 28 | February 1, 2028 | $14,593.65 | $410.64 | $66.89 | $0.00 | $477.53 | $14,183.01 |
| 29 | March 1, 2028 | $14,183.01 | $412.52 | $65.01 | $0.00 | $477.53 | $13,770.48 |
| 30 | April 1, 2028 | $13,770.48 | $414.41 | $63.11 | $0.00 | $477.53 | $13,356.07 |
| 31 | May 1, 2028 | $13,356.07 | $416.31 | $61.22 | $0.00 | $477.53 | $12,939.76 |
| 32 | June 1, 2028 | $12,939.76 | $418.22 | $59.31 | $0.00 | $477.53 | $12,521.53 |
| 33 | July 1, 2028 | $12,521.53 | $420.14 | $57.39 | $0.00 | $477.53 | $12,101.40 |
| 34 | August 1, 2028 | $12,101.40 | $422.06 | $55.46 | $0.00 | $477.53 | $11,679.33 |
| 35 | September 1, 2028 | $11,679.33 | $424.00 | $53.53 | $0.00 | $477.53 | $11,255.33 |
| 36 | October 1, 2028 | $11,255.33 | $425.94 | $51.59 | $0.00 | $477.53 | $10,829.39 |
| 37 | November 1, 2028 | $10,829.39 | $427.89 | $49.63 | $0.00 | $477.53 | $10,401.50 |
| 38 | December 1, 2028 | $10,401.50 | $429.86 | $47.67 | $0.00 | $477.53 | $9,971.64 |
| 39 | January 1, 2029 | $9,971.64 | $431.83 | $45.70 | $0.00 | $477.53 | $9,539.81 |
| 40 | February 1, 2029 | $9,539.81 | $433.80 | $43.72 | $0.00 | $477.53 | $9,106.01 |
| 41 | March 1, 2029 | $9,106.01 | $435.79 | $41.74 | $0.00 | $477.53 | $8,670.22 |
| 42 | April 1, 2029 | $8,670.22 | $437.79 | $39.74 | $0.00 | $477.53 | $8,232.43 |
| 43 | May 1, 2029 | $8,232.43 | $439.80 | $37.73 | $0.00 | $477.53 | $7,792.63 |
| 44 | June 1, 2029 | $7,792.63 | $441.81 | $35.72 | $0.00 | $477.53 | $7,350.82 |
| 45 | July 1, 2029 | $7,350.82 | $443.84 | $33.69 | $0.00 | $477.53 | $6,906.98 |
| 46 | August 1, 2029 | $6,906.98 | $445.87 | $31.66 | $0.00 | $477.53 | $6,461.11 |
| 47 | September 1, 2029 | $6,461.11 | $447.92 | $29.61 | $0.00 | $477.53 | $6,013.19 |
| 48 | October 1, 2029 | $6,013.19 | $449.97 | $27.56 | $0.00 | $477.53 | $5,563.22 |
| 49 | November 1, 2029 | $5,563.22 | $452.03 | $25.50 | $0.00 | $477.53 | $5,111.19 |
| 50 | December 1, 2029 | $5,111.19 | $454.10 | $23.43 | $0.00 | $477.53 | $4,657.09 |
| 51 | January 1, 2030 | $4,657.09 | $456.18 | $21.34 | $0.00 | $477.53 | $4,200.90 |
| 52 | February 1, 2030 | $4,200.90 | $458.27 | $19.25 | $0.00 | $477.53 | $3,742.63 |
| 53 | March 1, 2030 | $3,742.63 | $460.38 | $17.15 | $0.00 | $477.53 | $3,282.25 |
| 54 | April 1, 2030 | $3,282.25 | $462.49 | $15.04 | $0.00 | $477.53 | $2,819.77 |
| 55 | May 1, 2030 | $2,819.77 | $464.61 | $12.92 | $0.00 | $477.53 | $2,355.16 |
| 56 | June 1, 2030 | $2,355.16 | $466.73 | $10.79 | $0.00 | $477.53 | $1,888.43 |
| 57 | July 1, 2030 | $1,888.43 | $468.87 | $8.66 | $0.00 | $477.53 | $1,419.55 |
| 58 | August 1, 2030 | $1,419.55 | $471.02 | $6.51 | $0.00 | $477.53 | $948.53 |
| 59 | September 1, 2030 | $948.53 | $473.18 | $4.35 | $0.00 | $477.53 | $475.35 |
| 60 | October 1, 2030 | $475.35 | $475.35 | $2.18 | $0.00 | $477.53 | $0.00 |
About Navy Federal Loan Calculator
Our free Navy Federal loan calculator is a comprehensive tool designed to help you calculate monthly payments, total interest, and loan affordability for Navy Federal Credit Union loans. Whether you're planning to finance a vehicle, take out a personal loan, purchase a home, apply for a mortgage, or determine how much you can afford, this calculator provides accurate estimates based on Navy Federal's lending standards.
The calculator supports multiple loan types including auto loans, car loans, personal loans, mortgage loans, and home loans. For auto and car loans, the calculator helps you understand your monthly payments and total interest costs, with options for down payments to reduce your loan amount. Personal loan calculations help you plan your borrowing needs with flexible terms and competitive rates that Navy Federal Credit Union offers to its members.
Home loan and mortgage calculations account for additional costs such as property tax, home insurance, PMI (Private Mortgage Insurance), and HOA fees, giving you a complete picture of your monthly housing expenses. The affordability calculator helps you determine how much home you can afford based on your annual income, monthly debt payments, and other financial factors, following standard lending guidelines used by Navy Federal Credit Union.
All calculations are performed using standard US lending formulas and consider factors such as loan amount, interest rate, loan term, and optional extra payments. The payment schedule shows a detailed amortization table with all monthly payments, helping you visualize how your loan balance decreases over time. You can export the payment schedule to Excel for further analysis and record-keeping, making it easy to track your loan payments and plan your finances.
This calculator is particularly useful for comparing loan options, understanding the impact of interest rates on your monthly payments, and planning your financial future. Whether you're a first-time borrower or looking to refinance, our Navy Federal loan calculator provides the insights you need to make confident financial decisions. The tool follows standard US lending guidelines and Navy Federal Credit Union standards for loan calculations, ensuring accuracy and compliance with financial regulations.
The calculator is designed for Navy Federal Credit Union members and uses US Dollar ($) currency formatting. It supports various loan scenarios including regular loans and loans with extra payments, which can help you pay off your loan faster and save on interest. The Excel export feature allows you to save your payment schedule for offline reference and financial planning purposes. Navy Federal Credit Union is known for offering competitive rates and flexible terms to military members, veterans, and their families, making this calculator an essential tool for financial planning.