APR & Loan Calculator Bear

Calculate your monthly payment, APR, total interest, and payoff schedule before you borrow.
Bear is a loan calculator and repayment planner only. It does not offer loans, approve applications, collect loan requests, or send money.
Use Bear to compare personal loans, mortgages, auto loans, and repayment options. See the real cost of borrowing, save different scenarios, compare offers side by side, and export amortization schedules for review.
What you can calculate:
• Monthly payment and total repayment
• Total interest and payoff date
• APR from loan amount, fees, payment, and term
• Mortgage payment with tax, insurance, HOA, and down payment
• Auto loan payment, APR, and total cost
• Early payoff savings from extra monthly or one-time payments
• Full amortization schedule
• Side-by-side loan comparison
• Export to PDF, CSV, or web report
• Save loan plans for later review
• Set payment reminders
• Offline calculations
Use Bear for:
• Personal loan planning
• Mortgage payment estimates
• Auto loan comparisons
• APR and interest calculations
• Amortization schedules
• Extra payment and payoff planning
• Comparing multiple loan offers
Why Bear:
• Simple loan and APR calculator
• Clear monthly payment breakdown
• Total interest and repayment summary
• Loan comparison tools
• Exportable schedules and reports
• Works offline
• No account required for basic calculations
Important:
Bear is not a lender, loan broker, or loan application service. It is a calculator for personal planning and comparison only. Bear does not provide financial advice, loan approval, credit decisions, or money transfers.