Private Loan Calculator
Model a bullet loan with monthly interest payments and capital return at maturity.
This calculator simulates a bullet loan (interest-only monthly payments with full principal returned at maturity), the most common format in private real estate lending.
It's ideal for investors who want to visualize the monthly cash flow, effective yield, and total return before committing capital to a deal.
Simply enter the investment amount, annual rate, term in months, and LTV to get a detailed projection.
For example, with a $100,000 investment at 9% annual for 12 months, you'd receive $750 monthly in interest and your full capital back at maturity.
Investment Parameters
Return Summary
Monthly interest payment
$750
Total interest
$9,000
Total return
$9,000
Effective annualized yield
9.00%
Current LTV
70.00%
Visual Flow
Initial investment → Monthly flow → Capital return at maturity
Investment
$100,000
12 payments of
$750
Capital + last interest
$100,750
Cash Flow Table
| Month | Interest Payment | Balance | Cumulative Interest |
|---|---|---|---|
| 1 | $750 | $100,000 | $750 |
| 2 | $750 | $100,000 | $1,500 |
| 3 | $750 | $100,000 | $2,250 |
| 4 | $750 | $100,000 | $3,000 |
| 5 | $750 | $100,000 | $3,750 |
| 6 | $750 | $100,000 | $4,500 |
| 7 | $750 | $100,000 | $5,250 |
| 8 | $750 | $100,000 | $6,000 |
| 9 | $750 | $100,000 | $6,750 |
| 10 | $750 | $100,000 | $7,500 |
| 11 | $750 | $100,000 | $8,250 |
| 12 | $750 | $100,000 | $9,000 |
Investment Timeline
Cash flow from investment to maturity
Month 0
-$100,000
Initial investment
Month 1-11
+$750
Monthly interest payments
Month 12
+$100,750
Capital return + interest
Theoretical annualized IRR
9.38%
Your investment of $100,000 would generate $9,000 in 12 months.
Want to analyze a real opportunity?