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Macro Calculate Total Repayments Of A Loan Ideas . If your loan specifies the annual rate but not the periodic rate, you can calculate the periodic rate by dividing the annual interest rate by the number of payments per year. To calculate the monthly payment, convert percentages to decimal format, then follow the. Loan amortization schedule in 2020 Amortization schedule, Loan, Schedule from www.pinterest.com Free loan calculator to find the repayment plan, interest cost, and amortization schedule of conventional amortized loans, deferred payment loans, and bonds. Total amount to be repaid (with interest): 0.06 divided by 12 = 0.005.