Loan and bond calculator
Should I borrow to fund this?
The loan
The total rate over the term, not an annual rate.
What the funded investment is expected to earn each hour. Leave at 0 to see the cost of the debt alone.
Total interest
$5,000
Repay $105,000
You must earn at least
$6.944/h
Just to cover the interest
Verdict
Enter a return
Debt is certain and returns are not. A loan that only just clears its interest at today’s prices becomes a loss the moment the market moves against you.
Working
- No expected return supplied. The interest cost is exact; whether borrowing is worthwhile is not yet answered.
- Expected returns are estimates supplied by the user. The debt cost is fixed by the terms you entered, while actual returns may differ.
How this was calculated
Inputs
- Principaluser
- 100,000$
- Interest rate (term)user
- 5.00%
- Termuser
- 720.00hours
Steps
- Total interest$5,000$
principal x interestRate - Total repayment$105,000$
principal + totalInterest - Interest cost per hour$6.944$/hour
totalInterest / termHours
Calculated 2026-09-09 23:55 UTC. Projections are estimates based on prices at that moment, not a guarantee of in-game results.