Loan & Lease Calculator Sri Lanka
Estimate monthly installments, total interest, upfront fees, early settlement impact, and compare Sri Lankan housing loans, vehicle leases, personal loans, business loans, and overdraft-style facilities in one simple tool.
Compare the real cost before you sign
Use the simple calculator first, then compare bank or finance company offers side by side. All figures are educational estimates only.
| Offer | Amount | Rate | Years | Monthly | Total interest | Fees | Full cost | Early settlement cost |
|---|
Amortization schedule
This detailed month-by-month table uses the simple calculator inputs above. It is similar to a loan amortization sheet, but simplified for website use.
| Month | Opening balance | Installment | Interest | Principal | Closing balance | Cumulative interest | Cumulative paid |
|---|
Simple calculation breakdown
This table updates as you type.
| Step | Basis | Estimate |
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Loan, lease, or overdraft?
Loan: You borrow a fixed amount and usually pay it back through monthly installments.
Lease: Common for vehicles. The finance company may keep ownership/security until settlement, and early settlement conditions matter.
Speed draft / overdraft: Usually interest is charged on what you use, not always on the full approved limit.
What to compare
- Monthly payment
- Total interest over the full period
- Processing and documentation fees
- Insurance, valuation, legal, and RMV costs
- Early settlement and part-settlement conditions
- Fixed vs floating rate risk