GFK Loan Calculator

Fixed Tenure with Consistent Weekly Payments

Total Judgment Amount

Loan idTotal Judgment Amount (KES)

This amount will be distributed to principal components after deducting outstanding interest and collateral fee

Judgment Amount Breakdown

Total Judgment:150,000 KES

Less Outstanding Interest:- 43,138 KES

Less Collateral Fee:- 15,000 KES

Principal Components:91,862 KES

Tenure Extensions Due to Annual Fees

Year 1

+1 weeks

Week 52: +9,000 KES fees

Note: Tenure extended to maintain consistent weekly payments of 2200 KES

1. Third Party Fees (Priority 1)

GFF Subscription, Hospital Cash, Insurance

Total Third Party Fees:

9,000 KES

Annual Recurring: 9,000 KES

2. Collateral Fee (KES)

Custom collateral fee amount

3. Outstanding Interest (KES)

4. Principal Components (KES)

91,862 KES

Auto-calculated from Judgment Amount

Upfront Amount (KES)

Interest Rate (% per annum)

Compounded daily

Target Weekly Payment (KES)

Comprehensive Loan Summary

1. Third Party Fees

9,000 KES

2. Collateral Fee

15,000 KES

3. Outstanding Interest

43,138 KES

4. Principal Components

91,862 KES

Total Loan Balance

159,000 KES

Sum of all 4 priority components

Remaining After Upfront

144,000 KES

After 15,000 KES upfront

Upfront Payment Allocation (Sequential Waterfall)

1. Applied to Third Party

9,000 KES

Remaining: 0 KES

2. Applied to Collateral

6,000 KES

Remaining: 9,000 KES

3. Applied to Interest

0 KES

Remaining: 43,138 KES

4. Applied to Principal

0 KES

Remaining: 91,862 KES

Loan Terms & Payment Summary

Interest Rates

Nominal: 20%

Effective: 22.07%

Weekly: 0.3842%

Payment Details

Target: 2200 KES

Base: 2188.41 KES

Extra: 11.59 KES

Tenure

Initial: 76 weeks

Final: 81 weeks

Total Extra: 927.22 KES

Total Payments

176,171.941 KES

Total Interest

23,171.941 KES

Total Principal

153,000 KES

Payment Schedule - Fixed Tenure (81 weeks)

Week	Priority	Total Pay	Interest	Principal	Base Princ	Extra Princ	3rd Party	Collateral	Out Int	Principal Comp	Balance
1	2	2,200	553.238	1,646.762	1,635.172	11.59	0	1,635.172	0.00	0	142,353.238
2	2	2,200	546.911	1,653.089	1,641.499	11.59	0	1,641.499	0.00	0	140,700.148
3	2	2,200	540.56	1,659.44	1,647.85	11.59	0	1,647.85	0.00	0	139,040.708
4	2	2,200	534.184	1,665.816	1,654.225	11.59	0	1,654.225	0.00	0	137,374.892
5	2	2,200	527.784	1,672.216	1,660.625	11.59	0	1,660.625	0.00	0	135,702.677
6	3	2,200	521.36	1,678.64	1,667.05	11.59	0	760.628	906.42	0	134,024.037
7	3	2,200	514.911	1,685.089	1,673.499	11.59	0	0	1673.50	0	132,338.947
8	3	2,200	508.437	1,691.563	1,679.973	11.59	0	0	1679.97	0	130,647.384
9	3	2,200	501.938	1,698.062	1,686.472	11.59	0	0	1686.47	0	128,949.322
10	3	2,200	495.414	1,704.586	1,692.996	11.59	0	0	1693.00	0	127,244.735
11	3	2,200	488.865	1,711.135	1,699.545	11.59	0	0	1699.54	0	125,533.6
12	3	2,200	482.291	1,717.709	1,706.119	11.59	0	0	1706.12	0	123,815.891
13	3	2,200	475.692	1,724.308	1,712.718	11.59	0	0	1712.72	0	122,091.583
14	3	2,200	469.067	1,730.933	1,719.343	11.59	0	0	1719.34	0	120,360.65
15	3	2,200	462.417	1,737.583	1,725.993	11.59	0	0	1725.99	0	118,623.067
16	3	2,200	455.741	1,744.259	1,732.669	11.59	0	0	1732.67	0	116,878.808
17	3	2,200	449.04	1,750.96	1,739.37	11.59	0	0	1739.37	0	115,127.848
18	3	2,200	442.313	1,757.687	1,746.097	11.59	0	0	1746.10	0	113,370.161
19	3	2,200	435.56	1,764.44	1,752.85	11.59	0	0	1752.85	0	111,605.721
20	3	2,200	428.781	1,771.219	1,759.629	11.59	0	0	1759.63	0	109,834.502
21	3	2,200	421.976	1,778.024	1,766.434	11.59	0	0	1766.43	0	108,056.478
22	3	2,200	415.145	1,784.855	1,773.265	11.59	0	0	1773.26	0	106,271.623
23	3	2,200	408.288	1,791.712	1,780.122	11.59	0	0	1780.12	0	104,479.911
24	3	2,200	401.404	1,798.596	1,787.005	11.59	0	0	1787.01	0	102,681.315
25	3	2,200	394.494	1,805.506	1,793.916	11.59	0	0	1793.92	0	100,875.809
26	3	2,200	387.558	1,812.442	1,800.852	11.59	0	0	1800.85	0	99,063.367
27	3	2,200	380.594	1,819.406	1,807.815	11.59	0	0	1807.82	0	97,243.961
28	3	2,200	373.604	1,826.396	1,814.805	11.59	0	0	1814.81	0	95,417.565
29	3	2,200	366.587	1,833.413	1,821.822	11.59	0	0	1821.82	0	93,584.153
30	3	2,200	359.544	1,840.456	1,828.866	11.59	0	0	1828.87	0	91,743.696
31	4	2,200	352.473	1,847.527	1,835.937	11.59	0	0	229.40	1,606.532	89,896.169
32	4	2,200	345.375	1,854.625	1,843.035	11.59	0	0	0.00	1,843.035	88,041.543
33	4	2,200	338.249	1,861.751	1,850.161	11.59	0	0	0.00	1,850.161	86,179.793
34	4	2,200	331.096	1,868.904	1,857.313	11.59	0	0	0.00	1,857.313	84,310.889
35	4	2,200	323.916	1,876.084	1,864.493	11.59	0	0	0.00	1,864.493	82,434.805
36	4	2,200	316.709	1,883.291	1,871.701	11.59	0	0	0.00	1,871.701	80,551.514
37	4	2,200	309.473	1,890.527	1,878.937	11.59	0	0	0.00	1,878.937	78,660.987
38	4	2,200	302.21	1,897.79	1,886.2	11.59	0	0	0.00	1,886.2	76,763.197
39	4	2,200	294.919	1,905.081	1,893.491	11.59	0	0	0.00	1,893.491	74,858.115
40	4	2,200	287.599	1,912.401	1,900.81	11.59	0	0	0.00	1,900.81	72,945.715
41	4	2,200	280.252	1,919.748	1,908.158	11.59	0	0	0.00	1,908.158	71,025.967
42	4	2,200	272.877	1,927.123	1,915.533	11.59	0	0	0.00	1,915.533	69,098.844
43	4	2,200	265.473	1,934.527	1,922.937	11.59	0	0	0.00	1,922.937	67,164.316
44	4	2,200	258.04	1,941.96	1,930.369	11.59	0	0	0.00	1,930.369	65,222.357
45	4	2,200	250.58	1,949.42	1,937.83	11.59	0	0	0.00	1,937.83	63,272.936
46	4	2,200	243.09	1,956.91	1,945.32	11.59	0	0	0.00	1,945.32	61,316.026
47	4	2,200	235.572	1,964.428	1,952.838	11.59	0	0	0.00	1,952.838	59,351.598
48	4	2,200	228.025	1,971.975	1,960.385	11.59	0	0	0.00	1,960.385	57,379.623
49	4	2,200	220.448	1,979.552	1,967.961	11.59	0	0	0.00	1,967.961	55,400.071
50	4	2,200	212.843	1,987.157	1,975.567	11.59	0	0	0.00	1,975.567	53,412.914
51	4	2,200	205.209	1,994.791	1,983.201	11.59	0	0	0.00	1,983.201	51,418.123
52	1	2,200	232.122	1,967.878	1,956.288	11.59	1,956.288	0	0.00	0	58,450.245
53	1	2,200	224.562	1,975.438	1,963.848	11.59	1,963.848	0	0.00	0	56,474.806
54	1	2,200	216.972	1,983.028	1,971.438	11.59	1,971.438	0	0.00	0	54,491.778
55	1	2,200	209.353	1,990.647	1,979.056	11.59	1,979.056	0	0.00	0	52,501.132
56	4	2,200	201.706	1,998.294	1,986.704	11.59	1,129.37	0	0.00	857.334	50,502.837
57	4	2,200	194.028	2,005.972	1,994.381	11.59	0	0	0.00	1,994.381	48,496.865
58	4	2,200	186.321	2,013.679	2,002.088	11.59	0	0	0.00	2,002.088	46,483.187
59	4	2,200	178.585	2,021.415	2,009.825	11.59	0	0	0.00	2,009.825	44,461.772
60	4	2,200	170.819	2,029.181	2,017.591	11.59	0	0	0.00	2,017.591	42,432.591
61	4	2,200	163.023	2,036.977	2,025.387	11.59	0	0	0.00	2,025.387	40,395.614
62	4	2,200	155.197	2,044.803	2,033.213	11.59	0	0	0.00	2,033.213	38,350.811
63	4	2,200	147.341	2,052.659	2,041.069	11.59	0	0	0.00	2,041.069	36,298.152
64	4	2,200	139.455	2,060.545	2,048.955	11.59	0	0	0.00	2,048.955	34,237.607
65	4	2,200	131.538	2,068.462	2,056.871	11.59	0	0	0.00	2,056.871	32,169.145
66	4	2,200	123.592	2,076.408	2,064.818	11.59	0	0	0.00	2,064.818	30,092.737
67	4	2,200	115.614	2,084.386	2,072.796	11.59	0	0	0.00	2,072.796	28,008.351
68	4	2,200	107.606	2,092.394	2,080.804	11.59	0	0	0.00	2,080.804	25,915.957
69	4	2,200	99.567	2,100.433	2,088.842	11.59	0	0	0.00	2,088.842	23,815.524
70	4	2,200	91.498	2,108.502	2,096.912	11.59	0	0	0.00	2,096.912	21,707.021
71	4	2,200	83.397	2,116.603	2,105.013	11.59	0	0	0.00	2,105.013	19,590.418
72	4	2,200	75.265	2,124.735	2,113.145	11.59	0	0	0.00	2,113.145	17,465.683
73	4	2,200	67.102	2,132.898	2,121.308	11.59	0	0	0.00	2,121.308	15,332.785
74	4	2,200	58.907	2,141.093	2,129.502	11.59	0	0	0.00	2,129.502	13,191.693
75	4	2,200	50.682	2,149.318	2,137.728	11.59	0	0	0.00	2,137.728	11,042.374
76	4	2,200	42.424	2,157.576	2,145.986	11.59	0	0	0.00	2,145.986	8,884.798
77	4	2,200	34.135	2,165.865	2,154.275	11.59	0	0	0.00	2,154.275	6,718.933
78	4	2,200	25.814	2,174.186	2,162.596	11.59	0	0	0.00	2,162.596	4,544.746
79	4	2,200	17.461	2,182.539	2,170.949	11.59	0	0	0.00	2,170.949	2,362.207
80	4	2,200	9.075	2,190.925	2,179.334	11.59	0	0	0.00	2,179.334	171.282
81	4	171.941	0.658	171.282	171.282	0	0	0	0.00	171.282	0

Consistent Payment System:
• Target Weekly Payment: 2200 KES (fixed throughout)
• Base Payment: 2188.41 KES (stays constant)
• Extra Payment: 11.59 KES (stays constant)
• Initial Tenure: 76 weeks based on starting balance
• Final Tenure: 81 weeks (extended for recurring fees)
• Total Extra Applied: 927.22 KES to principal reduction
• Annual Third Party Fees: 9,000 KES added every 52 weeks
• Tenure Extension: Loan term extended instead of changing payments

Payment Priority:
1. Interest (from Base Payment)
2. Waterfall Principal (from Base Payment): Third Party → Collateral → Outstanding Interest → Principal Components
3. Extra Principal Reduction (from Extra Payment): Directly reduces principal components

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GFK Loan Calculator

Total Judgment Amount

Fixed Tenure Configuration

Tenure Extensions Due to Annual Fees

1. Third Party Fees (Priority 1)

2. Collateral Fee (KES)

3. Outstanding Interest (KES)

4. Principal Components (KES)

Comprehensive Loan Summary

Upfront Payment Allocation (Sequential Waterfall)

Loan Terms & Payment Summary

Payment Schedule - Fixed Tenure (81 weeks)

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