● Stripe test mode — no real money

Loan Payment Tracker

Plan your loan, then pay each installment by ACH. A payment shows Paid only once Stripe confirms the debit — never on a click.

Loan details

Loan amount

Annual interest rate

Loan term

First payment

Due day

Extra each month

Late fee

Penalty APR

Charged on each missed payment: a flat late fee plus interest at your rate + this penalty, capitalized onto the balance. Paying a missed payment later does not remove them.

Summary

Monthly payment

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Total interest

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Total paid

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Paid off

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Balance over time

Balance remaining Interest paid Missed payment

Pay your loan

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Paid (ACH)

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Processing

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Cost of missing

Balance owed

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Payment schedule

Stripe test mode — no real money moves. A payment is marked Paid only when Stripe confirms payment_intent.succeeded. While a payment is missed by more than 3 days and unpaid, it stops reducing the balance: its interest (at your rate + penalty APR) capitalizes onto what you owe and a late fee is charged. Paying it later (“Paid late”) does reduce the balance, but the late fee and the penalty-rate interest for that month stay — the penalty is not reversed. Planning estimate; assumes a fixed rate and equal monthly payments.