Balloon Loan Payment
Calculate equal payments leaving a chosen final balance.
Your numbers
Monthly payment
Educational estimate using your entered assumptions; no live prices, tax rules or guaranteed returns.
Scenario comparison
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Formula
Use A = [P−B/(1+r)^n]/a(r,n). P is principal, B is the balloon balance, r is the monthly interest fraction, and n is months. a(r,n) sums the end-of-month discount factors; the balloon is paid at the end.
Calculate equal payments leaving a chosen final balance.
Worked example
- Principal
- 12000
- Final balloon balance
- 6000
- Nominal annual rate (%)
- 0
- Term in months
- 12
- Monthly payment
- 500
- Total interest
- 0
- Final balloon
- 6,000
Scope and limitations
Educational estimate using your entered assumptions; no live prices, tax rules or guaranteed returns.
Inputs are checked for missing values and allowed ranges. A result outside the finite numeric range is not displayed. Rounding affects display, while the calculation uses the model’s numeric precision.
Check your units and assumptions before relying on a result. Changing a label does not convert a currency or physical unit.
Formula version: b499f5212d96 · Example checked: