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Refrigerator Financing Calculator

What will you actually pay per month for that fridge?

Standard amortization math: enter price, term, and APR — see your monthly payment, total cost, and how much of that is interest. 0% APR is fully supported.

⏱ ~30 secStandard amortization formulaEnergy & Cost
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P×r(1+r)ⁿ
Standard amortization
÷ ((1+r)ⁿ − 1)
0%
Promo APR supported
Equal monthly split
12–60
Months supported
Common terms
Live
Updates as you type
No submit button
STEP 01

Price.
Term. APR.

Standard amortization math — same formula every lender uses.

$
Include tax + delivery if financed
%
Enter 0 for promo 0% APR offers
Updates live as you type
Monthly payment
Updated live
$48.39/mo
36 payments at 9.99% APR — total interest is 16.1% of price.
Total cost
$1,742.17
Total interest
$242.17
Under the hood

The same formula every lender uses.

Standard amortization is the math behind every fixed-payment loan — banks, retailers, and credit cards alike. We just expose it directly.

  1. 01

    Convert APR to a monthly rate

    Monthly rate r = APR ÷ 100 ÷ 12. A 9.99% APR becomes 0.008325 per month.

  2. 02

    Apply the amortization formula

    Monthly payment = P × r(1+r)ⁿ / ((1+r)ⁿ − 1), where P = principal and n = months.

  3. 03

    Total interest = total cost − principal

    Multiply monthly payment by months to get total cost; subtract the original price to isolate the interest you'll actually pay.

Questions

Frequently asked

The standard amortization formula: monthly payment = P × r(1+r)ⁿ / ((1+r)ⁿ − 1), where P is the principal, r is the monthly rate (APR ÷ 12), and n is the number of months.
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