Private Loan Return Calculator

Estimate the return for a private lender (a loan between friends or family) and compare it with a rough Romanian bank-loan reference.

This is only an estimate, not financial advice.

Loan details

RON
%
Romanian mortgage-style borrowing benchmarks in 2026 are roughly around 6% to 8%, while unsecured personal loans can be much higher.
Use 8% if you want a more bank-like secured-loan comparison.
yrs
%
Used for real (inflation-adjusted) return.
%
Applied to lender profit for the net-after-tax figure.

Results

Total repayment
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Lender profit
—
 
Net profit after tax
—
 
Monthly payment
—
 
Effective nominal annual return
—
Annualized over the full term
Effective real annual return
—
Adjusted for inflation
Total multiple on money
—
Total repayment ÷ principal
Approximate Romanian bank reference
—
How it is calculated

Bullet repayment at end

total = principal × (1 + rate × years)
profit = total − principal

Annual simple interest

annualInterest = principal × rate
totalInterest = annualInterest × years
total = principal + totalInterest

Monthly amortization

r = rate / 12, n = years × 12
monthly = P × r / (1 − (1 + r)^(−n))
total = monthly × n

Returns

nominalAnnualized = (total / principal)^(1/years) − 1
realReturn = (1 + nominal) / (1 + inflation) − 1
netProfit = profit × (1 − tax)