{"id":245,"date":"2026-04-28T11:37:28","date_gmt":"2026-04-28T11:37:28","guid":{"rendered":"https:\/\/accuritaccountancy.com\/?page_id=245"},"modified":"2026-04-29T15:51:26","modified_gmt":"2026-04-29T15:51:26","slug":"loan-calculator","status":"publish","type":"page","link":"https:\/\/accuritaccountancy.com\/index.php\/loan-calculator\/","title":{"rendered":"Loan Calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"245\" class=\"elementor elementor-245\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9aade4 e-flex e-con-boxed e-con e-parent\" data-id=\"a9aade4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1667508 e-con-full e-flex e-con e-child\" data-id=\"1667508\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b5fd8d elementor-widget-divider--view-line_text elementor-widget__width-auto elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"5b5fd8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\tMALTA ACCOUNTANCY FIRM\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87475a8 elementor-widget elementor-widget-elementskit-heading\" data-id=\"87475a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-\"><h1 class=\"ekit-heading--title elementskit-section-title \">Business Loan <span><span>Calculator Malta<\/span><\/span><\/h1>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>Plan your repayments before you borrow. Enter the loan amount, interest rate and term to instantly see your monthly instalment, total interest and full repayment amount. Built for business owners, freelancers and individuals in Malta using fixed-rate loans.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8be7d53 e-con-full e-flex e-con e-child\" data-id=\"8be7d53\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cfc090 elementor-align-center elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"7cfc090\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">GET A QUOTE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44654f5 elementor-align-right elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"44654f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">HIRE US NOW<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6966ee e-flex e-con-boxed e-con e-parent\" data-id=\"e6966ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-425aa00 elementor-widget elementor-widget-malta_loan_calculator\" data-id=\"425aa00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"malta_loan_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;max-width:100%;margin:0 auto;box-sizing:border-box;\">\n\n  <!-- TOP ROW: form + results -->\n  <div style=\"display:flex;flex-wrap:wrap;border-radius:8px;overflow:hidden;box-shadow:0 4px 24px rgba(0,0,0,0.15);\">\n\n    <!-- FORM -->\n    <div style=\"background:#1D274E;padding:28px 24px;flex:0 0 280px;min-width:220px;box-sizing:border-box;\">\n\n      <div style=\"margin-bottom:20px;\">\n        <label style=\"display:block;font-size:14px;font-weight:600;color:#fff;margin-bottom:8px;\">\n          Loan Amount (\u20ac) <span style=\"color:#ff6b6b;\">*<\/span>\n        <\/label>\n        <input type=\"number\" id=\"mc-loan-amount\" placeholder=\"0.00\" min=\"0\" step=\"0.01\"\n          style=\"width:100%;padding:12px 14px;background:#fff;border:none;border-radius:6px;font-size:15px;color:#333;outline:none;box-sizing:border-box;display:block;\">\n      <\/div>\n\n      <div style=\"display:flex;gap:12px;flex-wrap:wrap;\">\n        <div style=\"flex:1;min-width:90px;\">\n          <label style=\"display:block;font-size:14px;font-weight:600;color:#fff;margin-bottom:8px;\">\n            Interest Rate (%) <span style=\"color:#ff6b6b;\">*<\/span>\n          <\/label>\n          <input type=\"number\" id=\"mc-loan-rate\" placeholder=\"0\" min=\"0\" step=\"0.01\"\n            style=\"width:100%;padding:12px 14px;background:#fff;border:none;border-radius:6px;font-size:15px;color:#333;outline:none;box-sizing:border-box;display:block;\">\n        <\/div>\n        <div style=\"flex:1;min-width:90px;\">\n          <label style=\"display:block;font-size:14px;font-weight:600;color:#fff;margin-bottom:8px;\">\n            Duration (Years) <span style=\"color:#ff6b6b;\">*<\/span>\n          <\/label>\n          <input type=\"number\" id=\"mc-loan-years\" placeholder=\"0\" min=\"1\" max=\"50\"\n            style=\"width:100%;padding:12px 14px;background:#fff;border:none;border-radius:6px;font-size:15px;color:#333;outline:none;box-sizing:border-box;display:block;\">\n        <\/div>\n      <\/div>\n\n    <\/div><!-- \/form -->\n\n    <!-- RESULTS -->\n    <div style=\"background:#f0f0f0;padding:28px 24px;flex:1 1 320px;box-sizing:border-box;\">\n      <h3 style=\"font-size:22px;font-weight:700;color:#B18F4D;margin:0 0 6px 0;padding:0;border:none;background:none;\">Results<\/h3>\n      <p style=\"font-size:14px;color:#B18F4D;margin:0 0 18px 0;\">Your monthly repayment based on the loan details entered.<\/p>\n\n      <!-- 3 result cells -->\n      <div style=\"display:flex;flex-wrap:wrap;gap:10px;margin-bottom:20px;\">\n\n        <div style=\"flex:1;min-width:120px;background:#fff;border-radius:6px;padding:14px 16px;box-shadow:0 1px 4px rgba(0,0,0,0.07);\">\n          <span style=\"display:block;font-size:13px;color:#888;margin-bottom:4px;\">Total Interest Payable<\/span>\n          <span id=\"mc-loan-interest\" style=\"display:block;font-size:20px;font-weight:700;color:#555;\">0.00<\/span>\n        <\/div>\n\n        <div style=\"flex:1;min-width:120px;background:#fff;border-radius:6px;padding:14px 16px;box-shadow:0 1px 4px rgba(0,0,0,0.07);\">\n          <span style=\"display:block;font-size:13px;color:#888;margin-bottom:4px;\">Total Amount Payable<\/span>\n          <span id=\"mc-loan-total\" style=\"display:block;font-size:20px;font-weight:700;color:#555;\">0.00<\/span>\n        <\/div>\n\n        <div style=\"flex:1.2;min-width:140px;background:#B18F4D;border-radius:6px;padding:14px 16px;\">\n          <span style=\"display:block;font-size:13px;color:rgba(255,255,255,0.8);margin-bottom:4px;\">Monthly Repayment<\/span>\n          <span id=\"mc-loan-monthly\" style=\"display:block;font-size:22px;font-weight:700;color:#fff;\">0.00<\/span>\n        <\/div>\n\n      <\/div>\n\n      <!-- Toggle button (hidden until calc runs) -->\n      <div id=\"mc-amort-btn-wrap\" style=\"display:none;text-align:center;\">\n        <button type=\"button\" id=\"mc-amort-toggle-btn\" onclick=\"mcToggleAmort()\"\n          style=\"background:transparent;border:2px solid #aaa;color:#444;padding:11px 28px;font-size:14px;font-weight:500;border-radius:5px;cursor:pointer;font-family:inherit;\">\n          Show Loan Repayment Schedule\n        <\/button>\n      <\/div>\n\n    <\/div><!-- \/results -->\n\n  <\/div><!-- \/top row -->\n\n  <!-- AMORTIZATION TABLE (hidden) -->\n  <div id=\"mc-amort-wrap\" style=\"display:none;margin-top:36px;\">\n    <h3 style=\"font-size:22px;font-weight:700;color:#222;margin:0 0 18px 0;padding:0;border:none;background:none;\">Loan Repayment Schedule<\/h3>\n    <div id=\"mc-amort-body\" style=\"overflow-x:auto;\"><\/div>\n  <\/div>\n\n<\/div><!-- \/wrap -->\n\n<script>\n(function(){\n    function fmt(n){ return parseFloat(n).toFixed(2); }\n    function sv(id,v){ var el=document.getElementById(id); if(el) el.textContent=fmt(v); }\n\n    function calcLoan(){\n        var p  = parseFloat(document.getElementById('mc-loan-amount').value)||0;\n        var r  = parseFloat(document.getElementById('mc-loan-rate').value)||0;\n        var yr = parseFloat(document.getElementById('mc-loan-years').value)||0;\n        var bw = document.getElementById('mc-amort-btn-wrap');\n        var btn= document.getElementById('mc-amort-toggle-btn');\n        var aw = document.getElementById('mc-amort-wrap');\n        var ab = document.getElementById('mc-amort-body');\n\n        if(p<=0||yr<=0){\n            sv('mc-loan-interest',0); sv('mc-loan-total',0); sv('mc-loan-monthly',0);\n            if(bw) bw.style.display='none';\n            if(aw) aw.style.display='none';\n            if(btn){ btn.textContent='Show Loan Repayment Schedule'; btn.style.background='transparent'; btn.style.color='#444'; btn.style.borderColor='#aaa'; }\n            return;\n        }\n\n        var months = Math.round(yr*12);\n        var mr     = (r\/100)\/12;\n        var mo;\n        if(r===0){ mo=p\/months; } else { mo=p*(mr*Math.pow(1+mr,months))\/(Math.pow(1+mr,months)-1); }\n        var total = mo*months;\n        var interest = total-p;\n\n        sv('mc-loan-interest', interest);\n        sv('mc-loan-total',    total);\n        sv('mc-loan-monthly',  mo);\n\n        \/\/ Build amortization table\n        var bal=p, cumI=0, cumP=0, html='', curYr=0, tOpen=false;\n        for(var m=1; m<=months; m++){\n            var yr2  = Math.ceil(m\/12);\n            var iAmt = r===0 ? 0 : bal*mr;\n            var pAmt = mo - iAmt;\n            bal -= pAmt; if(bal<0.005) bal=0;\n            cumI+=iAmt; cumP+=mo;\n            if(yr2!==curYr){\n                if(tOpen) html+='<\/tbody><\/table><\/div>';\n                html+='<div style=\"margin-bottom:32px;\">';\n                html+='<p style=\"font-size:15px;font-weight:700;color:#333;margin:0 0 10px 0;padding:6px 0;border-bottom:2px solid #ddd;display:block;\">Year '+yr2+'<\/p>';\n                html+='<div style=\"overflow-x:auto;\"><table style=\"width:100%;border-collapse:collapse;font-size:14px;\">';\n                html+='<thead><tr style=\"background:#f5f5f5;\">';\n                var ths=['Month','Repayment','Interest Portion','Principal Portion','Cumulative Interest','Cumulative Payments','Principal Outstanding'];\n                for(var t=0;t<ths.length;t++) html+='<th style=\"padding:10px 12px;text-align:left;font-weight:600;color:#444;border:1px solid #e0e0e0;white-space:nowrap;\">'+ths[t]+'<\/th>';\n                html+='<\/tr><\/thead><tbody>';\n                curYr=yr2; tOpen=true;\n            }\n            var bg = m%2===0 ? '#fafafa' : '#fff';\n            html+='<tr>';\n            var vals=[m, fmt(mo), fmt(iAmt), fmt(pAmt), fmt(cumI), fmt(cumP), fmt(bal)];\n            for(var v=0;v<vals.length;v++) html+='<td style=\"padding:9px 12px;border:1px solid #e8e8e8;color:#333;background:'+bg+';\">'+vals[v]+'<\/td>';\n            html+='<\/tr>';\n        }\n        if(tOpen) html+='<\/tbody><\/table><\/div><\/div>';\n        if(ab) ab.innerHTML=html;\n        if(bw) bw.style.display='block';\n        if(aw) aw.style.display='none';\n        if(btn){ btn.textContent='Show Loan Repayment Schedule'; btn.style.background='transparent'; btn.style.color='#444'; btn.style.borderColor='#aaa'; }\n    }\n\n    ['mc-loan-amount','mc-loan-rate','mc-loan-years'].forEach(function(id){\n        var el=document.getElementById(id);\n        if(el) el.addEventListener('input', calcLoan);\n    });\n    calcLoan();\n})();\n\nfunction mcToggleAmort(){\n    var wrap=document.getElementById('mc-amort-wrap');\n    var btn=document.getElementById('mc-amort-toggle-btn');\n    if(!wrap||!btn) return;\n    if(wrap.style.display==='none'){\n        wrap.style.display='block';\n        btn.textContent='Hide Loan Repayment Schedule';\n        btn.style.background='#B18F4D'; btn.style.color='#fff'; btn.style.borderColor='#B18F4D';\n    } else {\n        wrap.style.display='none';\n        btn.textContent='Show Loan Repayment Schedule';\n        btn.style.background='transparent'; btn.style.color='#444'; btn.style.borderColor='#aaa';\n    }\n}\n<\/script>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8a125d elementor-alert-info elementor-widget elementor-widget-alert\" data-id=\"d8a125d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"alert.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-alert\" role=\"alert\">\n\n\t\t\t\t\t\t<span class=\"elementor-alert-title\">This is an Alert<\/span>\n\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-alert-description\">This calculator uses a standard amortisation formula and is for guidance only. For a formal loan offer or to understand how repayments affect your company accounts and tax position in Malta, speak to our team.\n\n<\/span>\n\t\t\t\n\t\t\t\t\t\t<button type=\"button\" class=\"elementor-alert-dismiss\" aria-label=\"Dismiss this alert.\">\n\t\t\t\t\t\t\t\t\t<span aria-hidden=\"true\">&times;<\/span>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4fa706c e-flex e-con-boxed e-con e-parent\" data-id=\"4fa706c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b6176c e-con-full e-flex e-con e-child\" data-id=\"1b6176c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01e5ff4 elementor-widget elementor-widget-text-editor\" data-id=\"01e5ff4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Plan your loan before you apply. Enter the amount, interest rate, and term to see your monthly instalment, total interest, and total repayment instantly. The calculator is built for fixed-rate business loans, car finance, and equipment loans used by self-employed and SMEs in Malta.<\/p><p><b><span data-streamdown=\"strong\">Why use it<\/span><br \/><\/b>Testing different terms helps you protect cash flow. A lower monthly payment leaves room for quarterly VAT returns, monthly payroll and FS5 submissions, plus National Insurance due by the 15th. You can compare a 3-year vs 5-year option in seconds and choose what fits your budget.<\/p><p><span style=\"font-family: optimisticAI, 'optimisticAI Fallback', Optimistic, system-ui, sans-serif;\"><span style=\"font-size: 16px;\"><b>How it helps your accounts<\/b><\/span><\/span><br \/>A loan is not sales income. In your bookkeeping, only the interest is an expense \u2014 the capital reduces the loan balance. Our fixed-fee accounting team records the drawdown correctly, splits each payment, and keeps your management accounts clean. This makes your VAT returns accurate and your year-end tax return with the CFR straightforward.<\/p><p>At year end, the outstanding loan is disclosed in your financial statements filed with the Malta Business Registry. We prepare those accounts, handle MBR filings, and keep FS3 and FS7 payroll year-end forms ready, so banks see consistent numbers if you need future financing.<\/p><p><span data-streamdown=\"strong\"><b>Important note<\/b><\/span><br \/>This tool is for guidance only. Interest on business loans is usually tax-deductible in Malta when used wholly for trade, but capital repayments are not. For a formal offer or to see how a loan affects your cash flow alongside VAT and payroll, speak to our team.<\/p><p>Accurit provides fixed-fee bookkeeping, VAT, payroll, and tax support for Malta businesses \u2014 one dedicated accountant, clear deadlines, no surprises.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>MALTA ACCOUNTANCY FIRM Business Loan Calculator Malta Plan your repayments before you borrow. Enter the loan amount, interest rate and term to instantly see your monthly instalment, total interest and full repayment amount. Built for business owners, freelancers and individuals in Malta using fixed-rate loans. GET A QUOTE HIRE US NOW Loan Amount (\u20ac) * [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-245","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/accuritaccountancy.com\/index.php\/wp-json\/wp\/v2\/pages\/245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/accuritaccountancy.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/accuritaccountancy.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/accuritaccountancy.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/accuritaccountancy.com\/index.php\/wp-json\/wp\/v2\/comments?post=245"}],"version-history":[{"count":16,"href":"https:\/\/accuritaccountancy.com\/index.php\/wp-json\/wp\/v2\/pages\/245\/revisions"}],"predecessor-version":[{"id":300,"href":"https:\/\/accuritaccountancy.com\/index.php\/wp-json\/wp\/v2\/pages\/245\/revisions\/300"}],"wp:attachment":[{"href":"https:\/\/accuritaccountancy.com\/index.php\/wp-json\/wp\/v2\/media?parent=245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}