Last Updated: April 2026 ·
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· By MoneyKH Research Team
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This calculator is a free tool for informational purposes only. No lender pays to be featured in rate examples. Results are estimates — always request a full quote including EIR from your lender before signing.
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Cambodia loan calculator 2026: Use MoneyKH’s free loan calculator to estimate your monthly repayment, total interest, and total cost for any loan amount, interest rate, and term. Works for personal loans, SME loans, home loans, and microfinance loans. Supports both USD and KHR. Includes a full year-by-year amortisation schedule. This tool uses standard reducing-balance (amortising) methodology — the calculation method used by all NBC-licensed banks and MFIs in Cambodia.
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- Loan Calculator Tool →
- How to Use This Calculator →
- Which Rate Should I Enter? →
- How Reducing Balance Interest Works →
- EIR vs Stated Rate →
- FAQ →
MoneyKH · Cambodia
Loan Calculator 2026
$5,000
USD
18%
% p.a.
3 years
This schedule shows how each year’s payments are split between principal repayment and interest.
In the early years, a larger share goes to interest — this is how reducing-balance loans work.
The outstanding balance column shows how much you still owe at the end of each year.
How to Use This Calculator
The MoneyKH loan calculator uses three inputs to estimate your repayments:
1. Loan Amount — Enter the total amount you want to borrow. Use the slider or type directly. Quick-select presets are available for common loan amounts. Switch between USD and KHR using the toggle at the top.
2. Annual Interest Rate — Enter the annual interest rate your lender has quoted. If you are comparing options, use the rate presets: 9% for home loans, 14% for commercial bank personal loans, 18–24% for MFI rates. For full guidance on which rate applies to your situation, see our Cambodia loan interest rates guide.
3. Loan Term — Select the loan duration in years. Short terms mean higher monthly payments but lower total interest. Long terms mean lower monthly payments but significantly more total interest paid. The amortisation table shows exactly how this plays out year by year.
Once you have entered your inputs, the calculator instantly shows your estimated monthly repayment, total interest cost, and total amount repaid. Expand the amortisation schedule to see how your payments are split between principal and interest each year.
Which Rate Should I Enter? Cambodia Rate Reference 2026
The rate you enter determines everything. Here is MoneyKH’s quick reference for what rate to use based on your loan type and lender tier. For the full rate table across all lenders, see our Cambodia loan interest rates 2026 master guide.
| Loan Type | Lender | Rate to Enter (USD p.a.) |
|---|---|---|
| Home loan / mortgage | ABA, Maybank | 8.5–11% |
| Home loan / mortgage | ACLEDA, Canadia, FTB | 9–12% |
| SME loan (registered business) | Commercial banks | 12–16% |
| Personal loan (salaried) | Commercial banks | 14–18% |
| MFI loan (lower end) | Prasac, LOLC Cambodia | 18–22% |
| MFI loan (mid range) | HKL, AMK | 20–26% |
| MFI loan (higher end) | Smaller MFIs | 26–30% |
KHR loans: Add 2–4 percentage points to the USD rate above to estimate KHR equivalent rates. Switch the calculator to KHR mode to see repayment figures in riel. For the full analysis of borrowing in USD vs KHR, see our Cambodia dollar vs KHR guide.
How Reducing Balance Interest Works in Cambodia
All NBC-licensed banks and MFIs in Cambodia are required to use the reducing balance (also called amortising or declining balance) method for calculating interest on loans. This calculator uses the same method.
Under reducing balance, interest each month is calculated only on the outstanding loan balance — not the original amount. This means:
- In Month 1, you owe interest on the full loan amount
- In Month 2, your balance has reduced by the principal portion of Month 1’s repayment — so you owe slightly less interest
- This continues each month: as your balance falls, the interest portion of each payment shrinks and the principal portion grows
- By the final months of your loan, almost your entire payment is principal repayment
This is visible in the amortisation schedule above. Expand it to see how Year 1 payments are heavily weighted toward interest, while final-year payments are predominantly principal.
Why does this matter? Some informal lenders and unregulated credit products use a flat rate method — where interest is calculated on the original loan amount for every payment, even as the balance falls. A flat rate of 18% is roughly equivalent to a reducing balance rate of 32–33%. If any lender quotes you a flat rate, convert it to a reducing balance EIR before comparing. All figures in this calculator are reducing balance — do not enter a flat rate and compare it to an MFI’s published rate without adjustment.
EIR vs Stated Rate — Why the Calculator Is an Estimate
This calculator computes loan repayments based on the interest rate you enter. It does not include lender fees, insurance premiums, or other charges that affect the true cost of your loan. The Effective Interest Rate (EIR) captures all of these and is the only accurate measure for comparing two loan offers.
Common charges that increase actual cost above the stated rate:
- Processing / origination fee: Typically 0.5–2% of the loan amount, charged upfront. On a $10,000 loan, a 1% fee adds $100 to your cost.
- Compulsory credit life insurance: Required on many larger loans — typically 0.5–1.5% p.a. of the outstanding balance.
- Compulsory savings balance: Some MFIs require you to maintain a savings deposit of 5–10% of the loan amount during the loan period. This reduces your effective disbursed amount while your interest is calculated on the full loan.
- Late payment fees: If there is any chance of a delayed payment, know the late fee in advance.
The NBC requires all licensed lenders to disclose EIR on request before signing. Always ask for it in writing. Use this calculator to estimate and compare scenarios, then verify the final cost with your lender’s EIR disclosure. For more on how to evaluate loan offers, see our best personal loans in Cambodia guide and our loan interest rates master guide.
Frequently Asked Questions — Cambodia Loan Calculator 2026
What calculation method does this calculator use?
This calculator uses the standard reducing-balance (amortising) method — the method required by the National Bank of Cambodia for all licensed lenders. Monthly payments are fixed; the interest portion decreases each month as the balance falls and the principal portion increases correspondingly.
How do I calculate my loan in KHR (Cambodian riel)?
Use the USD/KHR toggle at the top of the calculator. When set to KHR, all amounts are displayed in riel. Note that KHR loan rates in Cambodia are typically 2–4 percentage points higher than equivalent USD rates — enter the KHR rate your lender has quoted, not the USD rate. The calculator also shows a USD equivalent for your monthly repayment when in KHR mode.
What is a good interest rate for a loan in Cambodia?
For commercial bank loans, 12–15% p.a. is competitive for secured SME or personal loans. For home loans, 8.5–10% is the best available rate in 2026 at ABA or Maybank Cambodia for strong profiles. MFI rates start at 18% for the largest institutions (Prasac, LOLC) and can reach 30% at smaller lenders. See our full Cambodia loan interest rates guide.
Can I use this calculator for a microfinance loan?
Yes. Enter the MFI’s stated annual rate and your loan details. The result will show your estimated monthly repayment under reducing-balance methodology. However, be aware that MFI loans often include additional fees (processing fee, insurance, compulsory savings) that this calculator does not account for — the EIR from your MFI will be higher than the stated rate. Always request EIR in writing. For MFI rate ranges, see our microfinance loans guide.
How does this calculator handle home loans?
Enter the home loan rate (typically 8.5–12% p.a. in Cambodia), the loan amount, and the term (up to 25 years). The calculator shows monthly repayments and the full amortisation schedule — useful for understanding how much of each payment is interest vs principal in the early years. For full home loan eligibility and lender comparison, see our Cambodia home loan guide.
Why does extending my loan term increase total interest so much?
Because interest accrues every month on the outstanding balance. A longer term means more months of interest accumulation, even though each monthly payment is smaller. As a rule of thumb, doubling the loan term does not double the total interest — it more than doubles it, because the balance reduces more slowly. The amortisation schedule shows this clearly: expand it and compare total interest for 5 years vs 10 years on the same loan amount and rate.
Is this calculator free to use?
Yes. MoneyKH provides this calculator free of charge as an educational tool. No registration is required. Results are not stored or shared. MoneyKH earns revenue through display advertising — no lender pays to appear in rate examples or recommendations on this page.
MoneyKH · Cambodia Personal Finance Authority Platform
Article 48 · Loans / Financial Literacy Category · April 2026
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The MoneyKH Research Team comprises independent financial researchers, market analysts, and editorial professionals with direct on-ground knowledge of Cambodia’s banking, fintech, and financial services sector. All rates, fees, and product data published on MoneyKH are verified directly with each institution before publication. MoneyKH operates as an editorially independent platform with no affiliate partnerships — see our editorial policy for full disclosure.
