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Loan Comparison (A vs B) — result sheet
Monthly payments for two loan scenarios side by side.
Inputs used
Results
Visual chart
Breakdown
Calculation steps
Returned data table
Formula and methodology
Formula: M = P·r/(1−(1+r)^−n), r = APR/1200.
Each payment covers monthly interest plus principal. Compare payments, then weigh the down-payment gap separately.
This result follows the calculator's declared inputs, precision, validation boundaries, and model limits.
Input contract
- Scenario A price — $; minimum 0.01; maximum 1000000000000
- Scenario A down payment — $; minimum 0; maximum 1000000000000
- Scenario A rate (APR) — %; minimum 0; maximum 100
- Scenario A term — years; Must give whole months (e.g. 0.5 = 6 months).; minimum 0.0833; maximum 100
- Scenario B price — $; minimum 0.01; maximum 1000000000000
- Scenario B down payment — $; minimum 0; maximum 1000000000000
- Scenario B rate (APR) — %; minimum 0; maximum 100
- Scenario B term — years; Must give whole months (e.g. 0.5 = 6 months).; minimum 0.0833; maximum 100
Worked example
| Input | Value |
|---|---|
| Scenario A price | 400000 |
| Scenario A down payment | 80000 |
| Scenario A rate (APR) | 6.5 |
| Scenario A term | 30 |
| Scenario B price | 400000 |
| Scenario B down payment | 40000 |
| Scenario B rate (APR) | 6 |
| Scenario B term | 30 |
A about $2022.62/mo; B about $2158.38/mo; A cheaper.
Assumptions and limits
- Monthly-end amortization at fixed APR.
- Principal and interest only; no taxes, fees, or PMI.
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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