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Bullet Repayment Calculator

Work out bullet repayment instantly with clear inputs, formula shown and shareable results.

About Bullet Repayment Calculator

A bullet loan services interest periodically and repays the entire principal in one payment at maturity. Because nothing amortises, interest is charged on the full amount for the whole term — the simplest and most expensive repayment shape per unit borrowed.

Formula

Bullet loan

Periodic interest = P × r; Repayment at maturity = P

P
Principal
r
Periodic rate

Worked example

With the default values below, Bullet Repayment Calculator returns Bullet Repayment At Maturity of $5,000,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Loan Amountminimum 0
5,000,000
Annual Interest Rateaccepts 0–100 %
11 %
Term In Yearsaccepts 0.25–15
3

Results

Bullet Repayment At Maturity
$5,000,000.00
Monthly Interest Servicing
$45,833.33
Total Interest Over The Term
$1,650,000.00
Total Cash Outflow
$6,650,000.00

Step by step

  1. 1Values used
  2. 2Bullet loan
  3. 3Bullet Repayment At Maturity= 5,000,000.00
  4. 4Monthly Interest Servicing= 45,833.33
  5. 5Total Interest Over The Term= 1,650,000.00
  6. 6Total Cash Outflow= 6,650,000.00

Assumptions and limits

  • The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.

Frequently Asked Questions

Where are bullet loans used?

Corporate term debt, bridge finance and structures where an identified future inflow — a sale or a refinancing — will repay principal.

How is the bullet usually met?

From asset sale proceeds, a refinancing, or a sinking fund built alongside the loan.

Related Calculators

Bullet Repayment Calculator | Calcrivo