Annual Repayment Formula

The page provides you the annual repayment formula to calculate the annual payment amount for your loan. This formula helps you to quickly calculate your annual payment based on the loan amount (P), interest rate (r) and the term of loan (number of years (n)). This annual loan payment formula will give you an idea of the amount of interest you are required to pay for the loan. The formula is based on the terms of repayment that deviate from a standard fixed amortization.

Annual Loan Payment Formula


AP = r(P) / (1 - (1 + r) - n)


AP = Annual Payment
P = Loan Amount
r = Interest Rate
n = Number of Years

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The annual repayment formula can be used to calculate any type of conventional loan including mortgage, consumer, and business loans. Annual loan payment formula is defined as AP = r(P) / (1-(1+r)-n). Also, you can use our annual payment calculator to find the amount of payment that you need to pay for your loan annually.

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