Fidamen

Motorcycle Loan Amortization Calculator with Bi-Weekly Payments

This calculator estimates payments and amortization outcomes for motorcycle loans using three modes: standard monthly, true bi‑weekly (26 equal payments per year) and accelerated bi‑weekly (half of the monthly payment every two weeks). Use it to compare payment amounts, estimated total paid and estimated interest for different schedules.

Results are computed from standard amortization formulas. For accelerated bi‑weekly, the tool derives a half‑monthly payment then computes the equivalent number of bi‑weekly periods at the bi‑weekly periodic rate; this is a common method used to show the typical faster payoff from making half‑monthly payments every two weeks.

Updated Nov 21, 2025QA PASS — golden 25 / edge 120Run golden-edge-2026-01-23

Governance

Record d07652d7f5cf • Reviewed by Fidamen Standards Committee

Pays half the standard monthly payment every two weeks. This typically results in an extra month of payments per year and faster payoff. Calculation derives the half‑monthly payment from the standard monthly schedule and then computes required bi‑weekly periods under the bi‑weekly periodic rate.

Inputs

Results

Updates as you type

Accelerated bi‑weekly payment

$94.86

Number of payments (estimated)

95

Estimated total paid

$8,995.70

Estimated total interest

$995.70

Estimated payoff (years)

3.6474

OutputValueUnit
Accelerated bi‑weekly payment$94.86USD
Number of payments (estimated)95count
Estimated total paid$8,995.70USD
Estimated total interest$995.70USD
Estimated payoff (years)3.6474years
Primary result$94.86

Visualization

Methodology

Calculations use standard amortizing loan mathematics: periodic interest rate = APR / periods per year; payment is computed from the annuity formula: payment = P * (r*(1+r)^n)/((1+r)^n - 1). Number of periods and total paid are derived from the chosen payment frequency.

Where analytic inversion is required (accelerated bi‑weekly number of periods), the logarithmic inversion of the amortization equation is used. The tool treats any user 'extra payment per period' as an additional fixed amount applied each scheduled payment period and multiplies it into the simple projections; iterative recalculation of the amortization schedule with changing principal is not performed in this projection mode and may differ slightly from a full period-by-period amortization.

F.A.Q.

What is the difference between true bi‑weekly and accelerated bi‑weekly?

True bi‑weekly means 26 equal payments per year with the periodic rate set to APR/26. Accelerated bi‑weekly typically uses half the monthly payment paid every two weeks; because there are 26 two‑week periods, this results in an extra half‑monthly payment annually and usually a faster payoff.

Are extra payments handled exactly?

This tool treats an extra payment per scheduled period as a constant add‑on and multiplies it by the estimated number of periods to produce an approximate total paid and total interest. A precise, period‑by‑period amortization with changing principal requires an iterative schedule and is available in detailed amortization tools.

How accurate are the numbers?

Numbers use standard mathematical formulas. For high precision or for legally binding payoff figures, request an amortization schedule or payoff statement from your lender. See the accuracy and security notes in citations.

Is APR the same as the interest rate I enter?

This calculator expects an annual percentage rate (APR) as a simple nominal annual interest rate without additional lender fees. If your lender includes fees rolled into the loan, the effective APR may differ.

How should I use the results to compare loan offers?

Compare on the same payment frequency and include any lender fees in the principal if those fees are financed. Use the total interest and payoff time to compare cost and term differences.

Sources & citations

Further resources

Versioning & Change Control

Audit record (versions, QA runs, reviewer sign-off, and evidence).

Record ID: d07652d7f5cf

What changed (latest)

v1.0.0 • 2025-11-21 • MINOR

Initial publication and governance baseline.

Why: Published with reviewed formulas, unit definitions, and UX controls.

Public QA status

PASS — golden 25 + edge 120

Last run: 2026-01-23 • Run: golden-edge-2026-01-23

Engine

v1.0.0

Data

Baseline (no external datasets)

Content

v1.0.0

UI

v1.0.0

Governance

Last updated: Nov 21, 2025

Reviewed by: Fidamen Standards Committee (Review board)

Credentials: Internal QA

Risk level: low

Reviewer profile (entity)

Fidamen Standards Committee

Review board

Internal QA

Entity ID: https://fidamen.com/reviewers/fidamen-standards-committee#person

Semantic versioning

  • MAJOR: Calculation outputs can change for the same inputs (formula, rounding policy, assumptions).
  • MINOR: New features or fields that do not change existing outputs for the same inputs.
  • PATCH: Bug fixes, copy edits, or accessibility changes that do not change intended outputs except for previously incorrect cases.

Review protocol

  • Verify formulas and unit definitions against primary standards or datasets.
  • Run golden-case regression suite and edge-case suite.
  • Record reviewer sign-off with credentials and scope.
  • Document assumptions, limitations, and jurisdiction applicability.

Assumptions & limitations

  • Uses exact unit definitions from the Fidamen conversion library.
  • Internal calculations use double precision; display rounding follows the unit's configured decimal places.
  • Not a substitute for calibrated instruments in regulated contexts.
  • Jurisdiction-specific rules may require official guidance.

Change log

v1.0.0 • 2025-11-21 • MINOR

Initial publication and governance baseline.

Why: Published with reviewed formulas, unit definitions, and UX controls.

Areas: engine, content, ui • Reviewer: Fidamen Standards Committee • Entry ID: 753431bf4c4c