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Finance Calculators

Balloon Payment Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
%
years
years
Verified formula Private

Balloon payment due

₹1,86,108.71

Monthly payment
₹1,199.10

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Balloon Payment Calculator

The Balloon Payment Calculator works out your balloon payment due, along with 1 related figure in an instant. Enter loan amount, annual interest rate and amortisation term and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the loan amount.
  2. Enter the annual interest rate.
  3. Enter the amortisation term.
  4. Enter the balloon due after.
  5. Read off your balloon payment due, together with monthly payment — the calculator updates automatically, with no button to press.

Formula

The Balloon Payment Calculator uses the formula:

Balloon payment due = Loan amount × (1 + Annual interest rate ÷ 1200)^(Balloon due after × 12) - (Loan amount × (Annual interest rate ÷ 1200) × (1 + Annual interest rate ÷ 1200)^(Amortisation term × 12) ÷ ((1 + Annual interest rate ÷ 1200)^(Amortisation term × 12) - 1)) × ((1 + Annual interest rate ÷ 1200)^(Balloon due after × 12) - 1) ÷ (Annual interest rate ÷ 1200)

Worked example

For example, with loan amount of 200,000, annual interest rate of 6%, amortisation term of 30 years and balloon due after of 5 years, the balloon payment due is ₹1,86,108.71.

Inputs used
Loan amount 200,000
Annual interest rate 6%
Amortisation term 30 years
Balloon due after 5 years
Results
Balloon payment due ₹1,86,108.71
Monthly payment ₹1,199.10

Results are estimates for educational use, not professional advice.

Key terms explained

Interest rate
The percentage charged on a loan or paid on savings, usually quoted per year (per annum).
Amortization
The process of paying off a loan through regular instalments, with each payment split between interest and principal.

Frequently asked questions

It is a large lump sum due at the end of a balloon loan, after a period of smaller payments based on a longer amortisation schedule.

Payments are calculated as if the loan ran for the full amortisation term, so little principal is repaid before the balloon falls due.

It is the loan balance still outstanding when the balloon term ends, after the regular payments made up to that point.

You pay the lump sum, refinance it, or sell the asset. Plan ahead, as the amount can be substantial.

The Balloon Payment Calculator uses the formula: Balloon payment due = Loan amount × (1 + Annual interest rate ÷ 1200)^(Balloon due after × 12) - (Loan amount × (Annual interest rate ÷ 1200) × (1 + Annual interest rate ÷ 1200)^(Amortisation term × 12) ÷ ((1 + Annual interest rate ÷ 1200)^(Amortisation term × 12) - 1)) × ((1 + Annual interest rate ÷ 1200)^(Balloon due after × 12) - 1) ÷ (Annual interest rate ÷ 1200). For example, with loan amount of 200,000, annual interest rate of 6%, amortisation term of 30 years and balloon due after of 5 years, the balloon payment due is ₹1,86,108.71.

Enter the loan amount. Enter the annual interest rate. Enter the amortisation term. Enter the balloon due after. Read off your balloon payment due, together with monthly payment — the calculator updates automatically, with no button to press.

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