Pool Loan Calculator: See Your Monthly Pool Payments

Calculate your monthly payments to see how a pool loan fits into your budget. Compare offers to find the best rate.
Annie Millerbernd
By Annie Millerbernd 
Updated
Edited by Kim Lowe

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A pool loan calculator can show you potential monthly payments and total interest costs, based on the loan amount, interest rate and repayment term you choose.

Use this calculator to see your monthly pool loan payments and determine what an affordable loan looks like.

Pool loan calculator

Loan details

2024

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

How will origination fees be paid?
How are origination fees calculated?
Your loan estimate
Monthly payment

$212.47

Total principal
$10,000

Total interest payments
$2,748.23

Total loan payments
$12,748.23

Payoff date
04 / 2029

2024

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Payment datePrincipalInterestMonthly paymentPrincipal balance
Apr 2024$129.14$83.33$212.47$9,870.86
May 2024$130.21$82.26$212.47$9,740.65
Jun 2024$131.30$81.17$212.47$9,609.35
Jul 2024$132.39$80.08$212.47$9,476.96
Aug 2024$133.50$78.97$212.47$9,343.46
Sep 2024$134.61$77.86$212.47$9,208.85
Oct 2024$135.73$76.74$212.47$9,073.12
Nov 2024$136.86$75.61$212.47$8,936.26
Dec 2024$138.00$74.47$212.47$8,798.26
Jan 2025$139.15$73.32$212.47$8,659.11
Feb 2025$140.31$72.16$212.47$8,518.80
Mar 2025$141.48$70.99$212.47$8,377.32
Apr 2025$142.66$69.81$212.47$8,234.66
May 2025$143.85$68.62$212.47$8,090.81
Jun 2025$145.05$67.42$212.47$7,945.76
Jul 2025$146.26$66.21$212.47$7,799.51
Aug 2025$147.47$65.00$212.47$7,652.03
Sep 2025$148.70$63.77$212.47$7,503.33
Oct 2025$149.94$62.53$212.47$7,353.39
Nov 2025$151.19$61.28$212.47$7,202.20
Dec 2025$152.45$60.02$212.47$7,049.74
Jan 2026$153.72$58.75$212.47$6,896.02
Feb 2026$155.00$57.47$212.47$6,741.02
Mar 2026$156.30$56.18$212.47$6,584.72
Apr 2026$157.60$54.87$212.47$6,427.12
May 2026$158.91$53.56$212.47$6,268.21
Jun 2026$160.24$52.24$212.47$6,107.98
Jul 2026$161.57$50.90$212.47$5,946.41
Aug 2026$162.92$49.55$212.47$5,783.49
Sep 2026$164.27$48.20$212.47$5,619.22
Oct 2026$165.64$46.83$212.47$5,453.57
Nov 2026$167.02$45.45$212.47$5,286.55
Dec 2026$168.42$44.05$212.47$5,118.13
Jan 2027$169.82$42.65$212.47$4,948.31
Feb 2027$171.23$41.24$212.47$4,777.08
Mar 2027$172.66$39.81$212.47$4,604.42
Apr 2027$174.10$38.37$212.47$4,430.32
May 2027$175.55$36.92$212.47$4,254.76
Jun 2027$177.01$35.46$212.47$4,077.75
Jul 2027$178.49$33.98$212.47$3,899.26
Aug 2027$179.98$32.49$212.47$3,719.28
Sep 2027$181.48$30.99$212.47$3,537.81
Oct 2027$182.99$29.48$212.47$3,354.82
Nov 2027$184.51$27.96$212.47$3,170.31
Dec 2027$186.05$26.42$212.47$2,984.25
Jan 2028$187.60$24.87$212.47$2,796.65
Feb 2028$189.17$23.31$212.47$2,607.49
Mar 2028$190.74$21.73$212.47$2,416.75
Apr 2028$192.33$20.14$212.47$2,224.42
May 2028$193.93$18.54$212.47$2,030.48
Jun 2028$195.55$16.92$212.47$1,834.93
Jul 2028$197.18$15.29$212.47$1,637.75
Aug 2028$198.82$13.65$212.47$1,438.93
Sep 2028$200.48$11.99$212.47$1,238.45
Oct 2028$202.15$10.32$212.47$1,036.30
Nov 2028$203.83$8.64$212.47$832.47
Dec 2028$205.53$6.94$212.47$626.93
Jan 2029$207.25$5.22$212.47$419.69
Feb 2029$208.97$3.50$212.47$210.71
Mar 2029$210.71$1.76$212.47$0.00
See if you pre-qualify for a personal loan – without affecting your credit score
Just answer a few questions to get personalized rate estimates from multiple lenders.

on NerdWallet

Pool loan calculation examples

Here are two pool loan examples. The loan amount, repayment term and APR you input will give you different monthly payments and total amount repaid.

Input

Results

Example 1

  • Loan amount: $20,000.

  • Repayment term: 3 years.

  • APR: 9%.

  • Monthly payment: $636.

  • Total amount repaid: $22,896.

Example 2

  • Loan amount: $50,000.

  • Repayment term: 6 years.

  • APR: 12%.

  • Monthly payment: $978.

  • Total amount repaid: $70,381.

Understanding your pool loan calculator results

Monthly payment: What you can expect to pay each month. A longer term can lower your monthly payments, but it will also increase the total interest.

Total amount repaid: The amount of money you'll have repaid at the end of the loan. This number depends on the amount you borrow and your interest rate.

Payoff date: The month and year you’re expected to make the final loan payment.

How much does it cost to build a pool?

It costs $20,000 to $65,000 to install an in-ground pool, according to HomeAdvisor, while an above-ground pool can run you from $3,500 to $15,000. The price can vary based on the size of the pool and the materials you use.

Personal loans from our partners

SoFi logo
Check Rate

on SoFi

SoFi

5.0

NerdWallet rating 
SoFi logo

5.0

NerdWallet rating 
APR 

8.99- 29.99%

Loan amount 

$5K- $100K

Check Rate

on SoFi

Avant logo
Check Rate

on Avant

Avant

4.0

NerdWallet rating 
Avant logo

4.0

NerdWallet rating 
APR 

9.95- 35.99%

Loan amount 

$2K- $35K

Check Rate

on Avant

BestEgg logo
Check Rate

on Best Egg

Best Egg

4.5

NerdWallet rating 
BestEgg logo

4.5

NerdWallet rating 
APR 

8.99- 35.99%

Loan amount 

$2K- $50K

Check Rate

on Best Egg

Discover logo
Check Rate

on Discover

Discover

5.0

NerdWallet rating 
Discover logo

5.0

NerdWallet rating 
APR 

7.99- 24.99%

Loan amount 

$2.5K- $40K

Check Rate

on Discover

Pool loan rates

When you finance with a personal loan, your annual percentage rate can be anywhere from 6% to 36%, and some lenders will finance up to $100,000 over a two- to 12-year repayment term.

Your credit score is an important factor lenders consider when they decide your loan amount and rate. Lenders also review your income and existing debt when you apply for a loan.

Borrower credit rating

Score range

Estimated APR

Excellent

720-850.

12.64%

Good

690-719.

14.84%

Fair

630-689.

18.69%.

Bad

300-629.

21.74%.

How to compare pool loans

Here are the top features to consider as you compare offers.

APR

A loan’s APR is the best apples-to-apples comparison for personal loans because it includes the interest rate and other fees a lender charges. Use this number to compare offers between loans or to compare a personal loan with another financing option, like a home equity loan.

Repayment term

Most personal loan terms span from about two to seven years, but some lenders offer extended repayment terms on home improvement loans. Your repayment term helps to determine the loan’s monthly payment and total interest costs.

Funding time

Many lenders say they can fund a loan the day your application is approved or the following day. Most loans are funded within a week.

Pre-qualification

A lender may let you pre-qualify to see your potential rate, loan amount and repayment term without affecting your credit score. You can pre-qualify with multiple lenders at once on NerdWallet to gather estimates of your monthly pool loan payments.

Need help with a big purchase? See if you pre-qualify for a personal loan
Just answer a few questions to get personalized results from our lending partners.

on NerdWallet

More on home improvement financing

Learn more about financing options: How to finance a home remodel

See if you pre-qualify for a personal loan – without affecting your credit score
Just answer a few questions to get personalized rate estimates from multiple lenders.

on NerdWallet

Comparing options? See if you pre-qualify for a personal loan - without affecting your credit score
Just answer a few questions to get personalized rate estimates from multiple lenders.

on NerdWallet

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