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Interest-only Investment Loan Calculator


This calculator lets you explore three calculations to help you determine: your monthly payment, principal loan amount or interest rate for an Investment Loan.

1. Monthly Payment Amount

The monthly amount you pay for loan interest may be the same as the amount you would normally contribute to a traditional investment plan. While your "out of pocket" costs may be the same with a traditional investment strategy, leveraged investing has the potential to generate far greater returns because the principal amount invested has a longer time to grow.

2. Principal Loan Amount

Investing a larger amount all at once rather than making a series of small contributions over a long period of time allows a much larger investment to grow for your full investment period - which may generate a larger long-term return.

3. Interest Rate

The interest rate will determine the monthly loan payment that is required to service the loan.

Important Information

There are some risks associated with Investment Loans. We recommend that you seek your own legal, accounting, tax or professional advice to assess if this approach is right for you.


Select what you would like to calculate – Monthly Payment, Principal or Interest Rate. Enter the other two variables and click "Calculate."
For example, to calculate your Monthly Payment, select Monthly Payment. Enter your Principal loan amount and Interest Rate and click "Calculate" to obtain your Monthly Payment.

Monthly Payment




Interest Rate

% Current Rates


Important Information

This calculator is for educational and illustrative purposes only. The projected amounts are not guaranteed and are based on estimates and assumptions entered by the user. Manulife Bank does not assume any liability for the accuracy of the information contained herein. You should not rely on the results as an indication of your financial needs. We recommend that you seek your own legal, accounting, tax or professional advice. Any information is neither intended to be, nor should be construed to be, investment or legal advice, or an endorsement of any particular method of investing. The deduction of advisory fees, brokerage or other commissions and any other expenses that would have been paid may not be reflected in the calculation results.

Borrowing to invest may be appropriate only for investors with higher risk tolerance. You should be fully aware of the risks and benefits associated with investment loans since losses as well as gains may be magnified. Preferred candidates are those willing to invest for the long term and not adverse to increased risk. The value of your investment will vary and is not guaranteed; however, you must meet your loan and income tax obligations and repay the loan in full. Please ensure you read the terms of your loan agreement and the investment details for important information. Manulife Bank of Canada solely acts in the capacity of lender and loan administrator and does not provide investment advice of any nature to individuals or advisors. The dealer and advisor are responsible for determining the appropriateness of investments for their clients and informing them of the risks associated with borrowing to invest.

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