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Origination Fee Calculator: Net Proceeds & Gross-Up Formula

Calculate origination-fee dollars, net loan proceeds and the gross principal required to deliver a target cash amount when a fee is deducted or financed.

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Check the actual providerConfirm who makes the credit decision.

Normalize the costCompare fees, APR, total due and dates.

Stress-test repaymentProtect essential cash after the payment.

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Answers, tradeoffs and next steps

Use the sections below to evaluate fit, not to predict approval.

The first calculation is fee dollars, not APR

For a percentage fee, Payday Hex first multiplies the nominal principal by the stated origination-fee rate. CFPB lists origination charges among common personal-installment fees, but the actual lender disclosure controls the fee and its treatment. CFPB_FEES

Deducted fees reduce proceeds; financed fees change the balance

A deducted fee comes out before disbursement, so usable cash is principal minus fee. If a lender finances a fee instead, the user’s cash treatment and repayment balance can differ. The tool requires the user/provider record to identify the structure rather than assuming one.

Gross-up math solves for the principal needed to hit a cash target

When a percentage fee is deducted from proceeds, the gross principal required for a target cash amount is target cash divided by (1 − fee rate). The calculator displays both the formula and the resulting fee so the user can audit the number.

APR and repayment belong in the next layer

The fee calculator does not declare an offer cheap or expensive from fee percentage alone. After proceeds are known, APR, payment schedule and total of payments are loaded from the real offer and handled by the loan-cost/payment tools. CFPB_REGZ

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Payment and total-cost calculator

See how APR and term change the payment and total repaid.

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Loan amount$APR%Termmo

Illustrative resultEnter your numbers

Provider terms and current state requirements control any offer.

Decision infographic

See the term-versus-cost trade-off

A smaller payment can still mean a larger total cost.

InputPrincipalCash actually received.

SchedulePaymentAPR and months shape it.

Full viewTotal repaidCompare through final payment.

What controls the decision

Monthly payFit

Total interestCompare

Cash bufferProtect

3/3

Ready to compare

Inputs, provider disclosure and repayment fit must agree.

Three gates before you continue

1Net proceedsEnough for the real expense?
2Monthly fitPayment clears after essentials?
3Full termTotal repayment is acceptable?

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Apply the result to this decision

Use the remaining checks before moving to a provider form.

Decision table

Fee structure	Core calculation
Percentage, deducted	Fee = principal × fee rate; proceeds = principal − fee
Fixed dollar, deducted	Proceeds = principal − fixed fee
Percentage, target-cash gross-up	Required principal = target cash ÷ (1 − fee rate)
Financed / added to balance	Use actual agreement treatment; do not subtract from proceeds automatically

Product scenario

Illustrative arithmetic: a 6% deducted fee on a $10,000 nominal principal is $600, leaving $9,400 in proceeds. If the user needs exactly $10,000 in cash and the same 6% is deducted, the gross-up formula is $10,000 ÷ 0.94 ≈ $10,638.30, producing a fee of about $638.30. Actual lender rounding and disclosure treatment control the live result.

Product objections / FAQ

How do I calculate a percentage origination fee? Multiply the nominal principal by the stated fee rate.

How do I calculate the loan amount needed after a deducted fee? For a percentage fee, divide the target net cash by one minus the fee rate.

Does this calculator decide whether a no-fee loan is better? No. The separate no-origination-fee product page compares complete offers; this tool only solves the fee/proceeds math.

Quick comparison

What the product page must answer

Decision	Look for	Stop if
Availability	State eligibility and provider identity	The creditor or license path is unclear
Cost	Amount received, required fees, APR and total repayment	Only the payment size is shown
Timing	Decision, release and bank-posting stages	“Instant” is presented as guaranteed
Repayment	Exact dates, method and late-payment consequences	The payment reopens the same cash gap

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