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Balloon Loan Balance Calculator — result sheet
Estimate the remaining balance after equal payments on a fixed-rate loan when the term is shorter than full amortization.
Inputs used
Results
Visual chart
Breakdown
Calculation steps
Returned data table
Formula and methodology
Formula: Remaining balance = P(1+r)^n−PMT((1+r)^n−1)/r, with a zero-rate limit.
The balance after the entered payment count is shown as a balloon scenario, not as a recommendation to accept a loan.
This result follows the calculator's declared inputs, precision, validation boundaries, and model limits.
Input contract
- Original principal — currency; minimum 1.0E-6; maximum 1000000000
- Annual interest rate — %; minimum 0; maximum 1000
- Periodic payment — currency; minimum 0; maximum 1000000000
- Payments per year — minimum 1; maximum 366
- Payments made — minimum 0; maximum 10000
Worked example
| Input | Value |
|---|---|
| Original principal | 100000 |
| Annual interest rate | 6 |
| Periodic payment | 800 |
| Payments per year | 12 |
| Payments made | 60 |
Remaining balance is approximately 78,255 currency units.
Assumptions and limits
- Rate is nominal annual, payments are level and made at period end, and payment count is whole and nonnegative.
- The payment stream is applied directly without fees or skipped payments.
- Contract terms, collateral, refinancing, penalties, taxes, and lender approval are not modeled.
Calculator note
Source and methodology
Use the official WorldCalculate methodology policy for the source, formula, precision, and boundary standards behind this calculator.
Planning estimate, not financial, medical, legal, or professional advice. © WorldCalculate — reuse with attribution. Built and curated by Hassan ALRowaie.
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