Yes, a personal loan calculator can help you estimate monthly repayments and the total cost before applying. Enter different loan amounts and terms, then compare the representative APR, fees and total amount repayable rather than focusing only on the monthly figure. Calculators provide estimates, and the rate you are offered may differ after a lender checks your circumstances, so consider using an eligibility checker that performs a soft search where available. Check any lender is FCA-authorised and make sure the repayments fit comfortably within your budget.