Flat Interest Schedule

Yellow Cells are Inputs

Flat Rate Loan
Loan Amount 3,000,000.00
Flat Interest Rate 2.645%
Term (Months) 60

Principal 50,000.00 Quick Formula For APR

Interest 6,613.70 5.000%
Payment 56,613.70
APR
5.000%
Payments Interest Principal Month (3,000,000.00)
56,613.70 6,613.70 50,000.00 1 56,613.70
56,613.70 6,613.70 50,000.00 2 56,613.70
56,613.70 6,613.70 50,000.00 3 56,613.70
56,613.70 6,613.70 50,000.00 4 56,613.70
56,613.70 6,613.70 50,000.00 5 56,613.70
56,613.70 6,613.70 50,000.00 6 56,613.70
56,613.70 6,613.70 50,000.00 7 56,613.70
56,613.70 6,613.70 50,000.00 8 56,613.70
56,613.70 6,613.70 50,000.00 9 56,613.70
56,613.70 6,613.70 50,000.00 10 56,613.70
56,613.70 6,613.70 50,000.00 11 56,613.70
56,613.70 6,613.70 50,000.00 12 56,613.70
56,613.70 6,613.70 50,000.00 13 56,613.70
56,613.70 6,613.70 50,000.00 14 56,613.70
56,613.70 6,613.70 50,000.00 15 56,613.70
56,613.70 6,613.70 50,000.00 16 56,613.70
56,613.70 6,613.70 50,000.00 17 56,613.70
56,613.70 6,613.70 50,000.00 18 56,613.70
56,613.70 6,613.70 50,000.00 19 56,613.70
56,613.70 6,613.70 50,000.00 20 56,613.70
56,613.70 6,613.70 50,000.00 21 56,613.70
56,613.70 6,613.70 50,000.00 22 56,613.70
56,613.70 6,613.70 50,000.00 23 56,613.70
56,613.70 6,613.70 50,000.00 24 56,613.70
56,613.70 6,613.70 50,000.00 25 56,613.70
56,613.70 6,613.70 50,000.00 26 56,613.70
56,613.70 6,613.70 50,000.00 27 56,613.70
56,613.70 6,613.70 50,000.00 28 56,613.70
56,613.70 6,613.70 50,000.00 29 56,613.70
56,613.70 6,613.70 50,000.00 30 56,613.70
56,613.70 6,613.70 50,000.00 31 56,613.70
56,613.70 6,613.70 50,000.00 32 56,613.70
56,613.70 6,613.70 50,000.00 33 56,613.70
56,613.70 6,613.70 50,000.00 34 56,613.70
56,613.70 6,613.70 50,000.00 35 56,613.70
56,613.70 6,613.70 50,000.00 36 56,613.70
56,613.70 6,613.70 50,000.00 37 56,613.70
56,613.70 6,613.70 50,000.00 38 56,613.70
56,613.70 6,613.70 50,000.00 39 56,613.70
56,613.70 6,613.70 50,000.00 40 56,613.70
56,613.70 6,613.70 50,000.00 41 56,613.70
56,613.70 6,613.70 50,000.00 42 56,613.70
56,613.70 6,613.70 50,000.00 43 56,613.70
56,613.70 6,613.70 50,000.00 44 56,613.70
56,613.70 6,613.70 50,000.00 45 56,613.70
56,613.70 6,613.70 50,000.00 46 56,613.70
56,613.70 6,613.70 50,000.00 47 56,613.70
56,613.70 6,613.70 50,000.00 48 56,613.70
56,613.70 6,613.70 50,000.00 49 56,613.70
56,613.70 6,613.70 50,000.00 50 56,613.70
56,613.70 6,613.70 50,000.00 51 56,613.70
56,613.70 6,613.70 50,000.00 52 56,613.70
56,613.70 6,613.70 50,000.00 53 56,613.70
56,613.70 6,613.70 50,000.00 54 56,613.70
56,613.70 6,613.70 50,000.00 55 56,613.70
56,613.70 6,613.70 50,000.00 56 56,613.70
56,613.70 6,613.70 50,000.00 57 56,613.70
56,613.70 6,613.70 50,000.00 58 56,613.70
56,613.70 6,613.70 50,000.00 59 56,613.70
56,613.70 6,613.70 50,000.00 60 56,613.70
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 Amortization Loan Schedule

Present Value of Flat Rate Loan Payments @ 2.645 % 3,178,476.92

Present Value of Amortized Loan Payments @ 2.645 % 3,000,000.00
Additional Upfront Cost of the Flat Rate Loan: 178,476.92

Choose One
APR or Flat Rate = 2.645%

53,434.74
Balance Payments Interest Principal Ending Balance
3,000,000.00 53,434.74 6,613.70 46,821.04 2,953,178.96
2,953,178.96 53,434.74 6,510.48 46,924.26 2,906,254.70
2,906,254.70 53,434.74 6,407.03 47,027.71 2,859,226.99
2,859,226.99 53,434.74 6,303.36 47,131.38 2,812,095.61
2,812,095.61 53,434.74 6,199.45 47,235.29 2,764,860.33
2,764,860.33 53,434.74 6,095.32 47,339.42 2,717,520.91
2,717,520.91 53,434.74 5,990.96 47,443.78 2,670,077.12
2,670,077.12 53,434.74 5,886.36 47,548.38 2,622,528.75
2,622,528.75 53,434.74 5,781.54 47,653.20 2,574,875.55
2,574,875.55 53,434.74 5,676.49 47,758.25 2,527,117.29
2,527,117.29 53,434.74 5,571.20 47,863.54 2,479,253.75
2,479,253.75 53,434.74 5,465.68 47,969.06 2,431,284.69
2,431,284.69 53,434.74 5,359.93 48,074.81 2,383,209.88
2,383,209.88 53,434.74 5,253.95 48,180.79 2,335,029.09
2,335,029.09 53,434.74 5,147.73 48,287.01 2,286,742.08
2,286,742.08 53,434.74 5,041.28 48,393.46 2,238,348.61
2,238,348.61 53,434.74 4,934.59 48,500.15 2,189,848.46
2,189,848.46 53,434.74 4,827.67 48,607.07 2,141,241.39
2,141,241.39 53,434.74 4,720.51 48,714.23 2,092,527.16
2,092,527.16 53,434.74 4,613.12 48,821.62 2,043,705.54
2,043,705.54 53,434.74 4,505.49 48,929.25 1,994,776.28
1,994,776.28 53,434.74 4,397.62 49,037.12 1,945,739.16
1,945,739.16 53,434.74 4,289.51 49,145.23 1,896,593.93
1,896,593.93 53,434.74 4,181.17 49,253.57 1,847,340.36
1,847,340.36 53,434.74 4,072.59 49,362.15 1,797,978.21
1,797,978.21 53,434.74 3,963.76 49,470.98 1,748,507.23
1,748,507.23 53,434.74 3,854.70 49,580.04 1,698,927.19
1,698,927.19 53,434.74 3,745.40 49,689.34 1,649,237.85
1,649,237.85 53,434.74 3,635.86 49,798.88 1,599,438.96
1,599,438.96 53,434.74 3,526.07 49,908.67 1,549,530.29
1,549,530.29 53,434.74 3,416.04 50,018.70 1,499,511.60
1,499,511.60 53,434.74 3,305.77 50,128.97 1,449,382.63
1,449,382.63 53,434.74 3,195.26 50,239.48 1,399,143.15
1,399,143.15 53,434.74 3,084.50 50,350.24 1,348,792.92
1,348,792.92 53,434.74 2,973.50 50,461.24 1,298,331.68
1,298,331.68 53,434.74 2,862.26 50,572.48 1,247,759.20
1,247,759.20 53,434.74 2,750.77 50,683.97 1,197,075.23
1,197,075.23 53,434.74 2,639.03 50,795.71 1,146,279.52
1,146,279.52 53,434.74 2,527.05 50,907.69 1,095,371.83
1,095,371.83 53,434.74 2,414.82 51,019.92 1,044,351.91
1,044,351.91 53,434.74 2,302.34 51,132.40 993,219.52
993,219.52 53,434.74 2,189.62 51,245.12 941,974.40
941,974.40 53,434.74 2,076.65 51,358.09 890,616.30
890,616.30 53,434.74 1,963.42 51,471.32 839,144.98
839,144.98 53,434.74 1,849.95 51,584.79 787,560.20
787,560.20 53,434.74 1,736.23 51,698.51 735,861.68
735,861.68 53,434.74 1,622.26 51,812.48 684,049.20
684,049.20 53,434.74 1,508.03 51,926.71 632,122.49
632,122.49 53,434.74 1,393.56 52,041.18 580,081.31
580,081.31 53,434.74 1,278.83 52,155.91 527,925.40
527,925.40 53,434.74 1,163.85 52,270.89 475,654.50
475,654.50 53,434.74 1,048.61 52,386.13 423,268.38
423,268.38 53,434.74 933.12 52,501.62 370,766.76
370,766.76 53,434.74 817.38 52,617.36 318,149.40
318,149.40 53,434.74 701.38 52,733.36 265,416.04
265,416.04 53,434.74 585.13 52,849.61 212,566.43
212,566.43 53,434.74 468.62 52,966.12 159,600.31
159,600.31 53,434.74 351.85 53,082.89 106,517.42
106,517.42 53,434.74 234.82 53,199.92 53,317.50
53,317.50 53,435.04 117.54 53,317.50 -
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 0
Convert Flat Rate to APR 1
OR 2
APR to Flat Rate: 3
4
Term (Months) 60 5
Drop Down Box
Rate to Convert 5.000% 6
7
From: APR 8
9
To: Flat Rate 10
2.645% 11
12
Month 13
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3 16
4 Calculator to convert a Flat Rate to APR or 17
5 APR to a Flat Rate. (Assumes monthly 18
6 payments). 19
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5.000%
2.645%