Loan Repayment & SACCO Deduction Planner
Calculate monthly loan and SACCO repayments in seconds. Use reducing-balance interest to instantly generate a complete month-by-month payment schedule. Model salary advances or internal company loans and see exactly how much will be deducted. Results are estimates only.
Paste your take-home pay, then subtract living costs and your desired saving. What remains is what you can afford for loan repayment.
Reducing-balance loan. Interest is charged only on what is left to pay each month.
Month-by-month schedule
| Month | Payment | Principal | Interest | Left to pay |
|---|
What-if result
| Affordable for loan | |
|---|---|
| Monthly repayment | |
| Total interest | |
| Total payable | |
| Surplus / shortfall | |
| Payoff month |
Highlights
SACCO / staff-loan deductions live in the Take-Home tool. Copy the monthly repayment there (Staff Loan Repayment) to see the effect on net salary, then come back here to re-test.