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Graduated Repayment Calculator

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This Graduate Repayment Calculator computes an estimate of the size of your monthly loan payments using the graduated repayment plan. This repayment plan starts the payments at a low level (usually interest only) and gradually increases the payments until the balance is paid.

The loan term in years is automatically set based on the loan balance.

This calculator assumes that the interest rate remains constant throughout the life of the loan. If you use a loan program that has a variable interest rate, we suggest that you use the current maximum rates to get a ceiling on the interest payments.

The discount rate is used to calculate the net present value (NPV) of the loan payments (i.e., the value in "constant dollars").


Loan Balance:
Interest Rate:
NPV Discount Rate:
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