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Look up your loan
Any loan amount from $10,000 to $10,000,000, any rate from 1% to 15%, any standard term — the true lifetime cost.
REFERENCE TABLE · MONEY
Loan Interest Rate Table
Monthly payments lie by omission: a $300,000 loan at 7%% costs $418,527 in interest alone — more than the loan itself. This table shows the total interest on every $100,000 borrowed, at rates from 3%% to 10%% across 10, 15, 20, and 30-year terms. Find your rate, read your row, and see what the lender really collects.
The full table: total interest per $100,000 borrowed
Read across from any rate to the total interest you’d pay on $100,000 at each term. Scale it: a $300,000 loan at 7% for 30 years is three times the $139,509 cell — $418,527. Print it, pin it, or cite it — the lookup above handles any loan the chart skips.
| Rate | 10-year term | 15-year term | 20-year term | 30-year term |
|---|---|---|---|---|
| 3.0% | $15,873 | $24,305 | $33,103 | $51,777 |
| 3.5% | $18,663 | $28,679 | $39,190 | $61,656 |
| 4.0% | $21,494 | $33,144 | $45,435 | $71,870 |
| 4.5% | $24,366 | $37,699 | $51,836 | $82,407 |
| 5.0% | $27,279 | $42,343 | $58,389 | $93,256 |
| 5.5% | $30,232 | $47,075 | $65,093 | $104,404 |
| 6.0% | $33,225 | $51,894 | $71,943 | $115,838 |
| 6.5% | $36,258 | $56,799 | $78,938 | $127,544 |
| 7.0% | $39,330 | $61,789 | $86,072 | $139,509 |
| 7.5% | $42,442 | $66,862 | $93,342 | $151,717 |
| 8.0% | $45,593 | $72,017 | $100,746 | $164,155 |
| 8.5% | $48,783 | $77,253 | $108,278 | $176,809 |
| 9.0% | $52,011 | $82,568 | $115,934 | $189,664 |
| 9.5% | $55,277 | $87,960 | $123,711 | $202,708 |
| 10.0% | $58,581 | $93,429 | $131,605 | $215,926 |
The 1-point rule
On a $300,000 30-year loan, 7% costs $418,527 in total interest; 8% costs $492,466. One percentage point — the difference between two lender quotes on the same afternoon — is $73,939 of extra interest. Shopping one more lender is the highest-paid hour in homebuying.
Output · formula · meaning
| Output | Formula | What it means |
|---|---|---|
| Total interest | payment × months − loan | Every dollar the lender collects beyond principal: $418,527 on the example loan. |
| Monthly payment (P&I) | loan × r(1+r)n ÷ ((1+r)n−1) | Principal + interest each month: $1,996. |
| Interest as % of loan | total interest ÷ loan × 100 | At 7%/30yr you pay 139.5% of the loan amount again in interest — the loan costs 2.4x itself. |
Who uses this
- Homebuyers: translating a rate quote into the lifetime number before you fall in love with the house.
- Refinancers: is the new rate worth the closing costs? Compare the two rows first.
- Students & teachers: why amortization is back-loaded — the table makes the interest curve visible.
- Researchers & writers: a citable, printable reference for total-cost-of-borrowing examples.
Accuracy & limitations
Principal and interest only, fixed rate, no extra payments, no refinancing: property tax, homeowners insurance, HOA dues, PMI, and closing costs all sit on top of these figures. Values are rounded to whole dollars — plenty for any real decision. Adjustable-rate loans don’t follow this table past the fixed period. The rate is your input, not a market quote — get real Loan Estimates before deciding.
See what each rate costs per month in the loan payment table, or the 15-vs-30 tradeoff in the 15-year vs 30-year mortgage comparison.
Cite this reference tableBright Side Kit. “Loan Interest Rate Table.” brightoolbox.com, 2026.
Bright Side Kit. "Loan Interest Rate Table." https://brightoolbox.com/interest-rate-table/ Accessed October 22, 2026.Frequently asked questions
What is an interest rate table for?
It answers the question monthly-payment calculators dodge: how much interest will I pay in total? Find your rate, read across to your term, and you see the lender’s lifetime cut — the number that actually decides whether a loan is expensive.
Why does this table show total interest instead of monthly payments?
Because the monthly payment hides the cost. Two loans can have similar payments and wildly different lifetime interest (that’s exactly what the 15-year vs 30-year comparison shows). Total interest is the honest price tag; the monthly figure is just the installment plan.
How much interest will I pay on a $300,000 mortgage at 7%?
About $418,527 over 30 years — $1,996 a month in principal and interest, $718,527 all-in. At 8% the interest jumps to about $492,466. One point on this loan is roughly $73,939.
Does the table include property tax and insurance?
No — principal and interest only. Tax, insurance, HOA, and PMI are location- and borrower-specific, so they can’t live in a universal table. Add your own estimates on top; they don’t change which rate or term wins.
How is total interest calculated?
Total interest = monthly payment × number of payments − loan amount, where the payment comes from the standard amortization formula. Every cell in the chart is that exact computation, rounded to the dollar — the live lookup above runs the same math on your own numbers.