New
Calculators
Loan Calculator
Estimate monthly repayments, total interest and total cost.
New: File Converter
Convert files locally — including Word and Excel.
Images, whole PDFs, Word DOCX, Excel XLSX, text, code, CSV and JSON stay on your device. KitLumo never receives or stores a copy.
PDF · Word · Excel · Images
Free Calculators
Loan Calculator
Straightforward tools that work right here on your phone, tablet or computer. No account, no AI, no nonsense.
Your tool data stays on this device.
Anything you type, paste, calculate or open in a tool is not sent to us. KitLumo does not receive it or save a copy.
Free Calculators
How to use the Loan Calculator
Estimate a loan repayment using the amount borrowed, annual interest rate and repayment period. It is useful for comparing offers with the same repayment schedule.
- Enter or choose the information requested by the tool.
- Check the result and change an input if you want to compare another scenario.
- Copy, download or use the result when it fits your task.
Using the result
Compare the monthly payment and total repayment with the lender's formal quotation before committing.
Your tool entries are handled in your browser and are not sent to or saved by KitLumo.
Browse by category
Practical guides
Understand the result, not just the number.
Short, plain-language guides explain the assumptions, privacy and limits behind the most important KitLumo tools.
View all guidesYour shortcuts
Saved tools
On this device
Recently used
Explore related calculators
Related Calculators
7 tools
New
Calculators
Compound Interest
Estimate investment growth with recurring contributions.
New
Calculators
Mortgage Calculator
Estimate monthly home-loan payments, interest and total repayment.
New
Calculators
Debt Payoff Calculator
Estimate how long a fixed monthly payment takes to clear debt.
New
Calculators
Debt-to-Income Calculator
Compare monthly debt payments with gross monthly income.
New
Calculators
Loan Amortization Calculator
See payment, interest and balance details for the first year of a loan.
New
Calculators
Simple Interest Calculator
Calculate interest without compounding.
No matching tool yet.
Help shape KitLumo
Don’t see what you need?
Tell us the task you are trying to solve. The most-requested tools guide what we build next.
How KitLumo stays free
Supported by ads. Helped by people.
Clearly labelled ads fund the website so everyone can use every tool for free. If KitLumo saves you time, you are also welcome to make an optional donation to help pay for hosting and keep the tools available.
Donating never unlocks extra features. Every tool remains free for everyone.How it works
Free means free.
KitLumo is built around small, focused utilities. No login walls, no artificial limits and no AI layer where a reliable tool will do.
Every tool currently available works directly on the phone, tablet or computer you are using. Anything you type, paste, calculate or open in a tool is not sent to us, and KitLumo does not save a copy.
Your saved and recently used tool shortcuts are stored only in your browser on this device. When you use “Report a problem” or “Request a free tool,” only that message and any email address you choose to add are sent to KitLumo.