Bridge Loan Cost Calculator
Total cost of short-term bridging finance.
Enter your values
Enter the loan amount in $.
Enter the monthly interest rate in %.
Enter the term in months.
Enter the arrangement fee in %.
Enter the exit fee in %.
Enter the legal and valuation fees in $.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Total cost of the bridge
- $31,375.00
- Interest
- $21,375.00
- Fees
- $10,000.00
- Cost per month
- $3,486.11
- Effective annual rate
- 16.73%
- Amount to repay at exit
- $281,375.00
Quick answer
Bridge finance is priced monthly, so the headline rate looks small — total cost = interest × months + arrangement fee + exit fee.
Cost = loan × monthly rate × months + fees
At a glance
| What it does | Total cost of short-term bridging finance. |
|---|---|
| Category | Finance |
| Inputs needed | Loan amount, Monthly interest rate, Term, Arrangement fee, Exit fee, Legal and valuation fees |
| Main output | Total cost of the bridge |
| Formula | Cost = loan × monthly rate × months + fees |
| Cost | Free — no sign-up, no download |
How to use the Bridge Loan Cost Calculator
- 1Enter the loan amount and the monthly interest rate quoted.
- 2Enter the expected term — bridges are usually 3–18 months.
- 3Add arrangement, exit and legal fees.
Inputs explained
- Loan amount($)
- Enter the loan amount in $.
- Monthly interest rate(%)
- Enter the monthly interest rate in %.
- Term(months)
- Enter the term in months.
- Arrangement fee(%)
- Enter the arrangement fee in %.
- Exit fee(%)
- Enter the exit fee in %.
- Legal and valuation fees($)
- Enter the legal and valuation fees in $.
Worked example
Using the values the calculator loads with:
Inputs
- Loan amount250000 $
- Monthly interest rate0.95 %
- Term9 months
- Arrangement fee2 %
- Exit fee1 %
- Legal and valuation fees2500 $
Results
- Total cost of the bridge$31,375.00
- Interest$21,375.00
- Fees$10,000.00
- Cost per month$3,486.11
- Effective annual rate16.73%
- Amount to repay at exit$281,375.00
Frequently asked questions
Why quote bridging monthly?
Terms are short, so lenders price per month. Always convert to an annual figure before comparing with a mortgage — 1% a month is over 12% a year plus fees.
What is the biggest risk?
The exit. If the sale or refinance slips past the term, default rates of 2–3% a month apply, which can quickly overwhelm the profit on a project.
What do I need to enter into the Bridge Loan Cost Calculator?
Just 6 values: loan amount, monthly interest rate, term, arrangement fee, exit fee, legal and valuation fees. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Bridge Loan Cost Calculator work out the answer?
Bridge finance is priced monthly, so the headline rate looks small — total cost = interest × months + arrangement fee + exit fee. It applies the formula Cost = loan × monthly rate × months + fees and shows the working so you can check each step by hand.
Is the Bridge Loan Cost Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.