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Loan Penalties Calculator
See exactly how a late or partial payment splits between penalty, interest and principal, and what is still owed.
$
$
%
Charged daily on a 360-day year
$
Total Due
$458.25
30 Days Late · 0.050% a day
Overdue instalment
$550.00
Principal plus interest
Penalty accrued
$8.25
Paid
$100.00
How the payment was applied
- Penalty
- $8.25
- Interest
- $50.00
- Principal
- $41.75
- Paid
- $100.00
Still owed
- Penalty
- $0.00
- Interest
- $0.00
- Principal
- $458.25
- Total Due
- $458.25
29 Sept 2026
Payment priority is Penalty → Interest → Principal. Overdue penalty and interest are never added to (capitalized into) the principal, so there is no compounding.