PHP Loan Calculator Script:

<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <meta name="description" content="Simple Loan Payment Calculator to estimate monthly payments based on loan amount, interest rate, and loan term.">
    <meta name="keywords" content="Loan Calculator, PHP, Monthly Payment, Financial Tool">
    <title>Loan Calculator - Calculate Your Monthly Payments</title>
    <style>
        body {
            font-family: Arial, sans-serif;
            background-color: #f4f4f4;
            margin: 0;
            padding: 20px;
        }
        .container {
            max-width: 600px;
            margin: 0 auto;
            padding: 20px;
            background-color: #fff;
            box-shadow: 0 0 10px rgba(0, 0, 0, 0.1);
        }
        h1 {
            text-align: center;
        }
        form {
            margin-top: 20px;
        }
        label {
            display: block;
            margin-bottom: 5px;
            font-weight: bold;
        }
        input[type="number"] {
            width: 100%;
            padding: 10px;
            margin-bottom: 20px;
            border: 1px solid #ccc;
            border-radius: 5px;
        }
        input[type="submit"] {
            background-color: #28a745;
            color: #fff;
            padding: 10px 20px;
            border: none;
            border-radius: 5px;
            cursor: pointer;
            width: 100%;
        }
        .result {
            margin-top: 20px;
            font-size: 18px;
            text-align: center;
            color: #333;
        }
        footer {
            text-align: center;
            margin-top: 20px;
        }
        a {
            color: #28a745;
            text-decoration: none;
        }
    </style>
</head>
<body>

<div class="container">
    <h1>Loan Payment Calculator</h1>
    <p>Use this calculator to estimate your monthly loan payments. Enter the loan amount, interest rate, and term to see the results.</p>

    <form method="post">
        <label for="amount">Loan Amount:</label>
        <input type="number" id="amount" name="amount" step="0.01" placeholder="Enter loan amount" required>

        <label for="interest">Interest Rate (%):</label>
        <input type="number" id="interest" name="interest" step="0.01" placeholder="Enter annual interest rate" required>

        <label for="term">Loan Term (years):</label>
        <input type="number" id="term" name="term" placeholder="Enter loan term in years" required>

        <input type="submit" name="calculate" value="Calculate">
    </form>

    <?php
    if (isset($_POST['calculate'])) {
        $amount = $_POST['amount'];
        $interest = $_POST['interest'];
        $term = $_POST['term'];

        $monthlyInterest = ($interest / 100) / 12;
        $totalMonths = $term * 12;
        $monthlyPayment = $amount * $monthlyInterest / (1 - pow(1 + $monthlyInterest, -$totalMonths));

        echo "<div class='result'>Your Estimated Monthly Payment is: <strong>$" . number_format($monthlyPayment, 2) . "</strong></div>";
    }
    ?>
</div>

<footer>
    <p>&copy; <?php echo date("Y"); ?> Loan Calculator Tool. All rights reserved.</p>
    <p><a href="/privacy-policy.php">Privacy Policy</a> | <a href="/terms-of-service.php">Terms of Service</a></p>
</footer>

</body>
</html>

Key Features:

  1. SEO Elements:
  • Meta tags (description and keywords) to enhance SEO.
  • Clean, simple design to improve user experience and site engagement.
  1. Mobile-Friendly:
  • Responsive design using simple CSS for proper display on mobile and desktop devices.
  1. High-Quality Content:
  • Provides valuable service by calculating loan payments, encouraging user interaction.
  • Clear headings and instructions for ease of use.
  1. AdSense Compliance:
  • Includes footer links for Privacy Policy and Terms of Service pages, which are required for AdSense approval.
  • The site is useful, provides real value, and has no excessive ads or disruptive content.
  1. User Engagement:
  • A simple input form for user interaction, creating value by generating personalized results (monthly payment calculation).
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Additional Steps:

  • Add a Privacy Policy Page: This page should explain how user data is collected and used, especially if you decide to use cookies or collect any personal information.
  • Terms of Service Page: A basic terms page outlining your tool’s usage guidelines.

Privacy Policy Example:

<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Privacy Policy</title>
</head>
<body>
    <h1>Privacy Policy</h1>
    <p>We value your privacy and are committed to protecting your personal data. This policy explains what information we collect and how we use it.</p>
    <!-- Add more details based on your site's data collection practices -->
</body>
</html>

Use Loan calculator in WordPress

To use this PHP Loan Calculator script in WordPress, you will need to integrate it within your WordPress site. Since WordPress doesn’t allow running PHP directly in posts or pages, you’ll need to follow these steps to create a custom page or shortcode to run PHP.

Steps to Add the Loan Calculator Script to WordPress:

1. Create a Custom WordPress Plugin (Recommended Method)

This method keeps your code clean and ensures it won’t be lost during theme updates.

Step-by-Step Guide to Create the Plugin:
  1. Create a Plugin Folder:
  • Access your WordPress site’s directory using FTP or your hosting’s file manager.
  • Navigate to /wp-content/plugins/.
  • Create a new folder called loan-calculator-plugin.
  1. Create the Plugin PHP File:
  • Inside the loan-calculator-plugin folder, create a file named loan-calculator.php.
  • Add the following code inside loan-calculator.php to register your plugin and shortcode:
   <?php
   /*
   Plugin Name: Loan Calculator
   Description: A simple loan calculator that calculates monthly payments.
   Version: 1.0
   Author: Your Name
   */

   // Create a function to display the loan calculator form
   function loan_calculator_shortcode() {
       ob_start(); // Capture the output to return it as a shortcode
   ?>

   <div class="container">
       <h1>Loan Payment Calculator</h1>
       <p>Use this calculator to estimate your monthly loan payments. Enter the loan amount, interest rate, and term to see the results.</p>

       <form method="post">
           <label for="amount">Loan Amount:</label>
           <input type="number" id="amount" name="amount" step="0.01" placeholder="Enter loan amount" required>

           <label for="interest">Interest Rate (%):</label>
           <input type="number" id="interest" name="interest" step="0.01" placeholder="Enter annual interest rate" required>

           <label for="term">Loan Term (years):</label>
           <input type="number" id="term" name="term" placeholder="Enter loan term in years" required>

           <input type="submit" name="calculate" value="Calculate">
       </form>

       <?php
       if (isset($_POST['calculate'])) {
           $amount = $_POST['amount'];
           $interest = $_POST['interest'];
           $term = $_POST['term'];

           $monthlyInterest = ($interest / 100) / 12;
           $totalMonths = $term * 12;
           $monthlyPayment = $amount * $monthlyInterest / (1 - pow(1 + $monthlyInterest, -$totalMonths));

           echo "<div class='result'>Your Estimated Monthly Payment is: <strong>$" . number_format($monthlyPayment, 2) . "</strong></div>";
       }
       ?>
   </div>

   <?php
       return ob_get_clean(); // Return the captured output
   }

   // Register the shortcode [loan_calculator]
   add_shortcode('loan_calculator', 'loan_calculator_shortcode');
  1. Activate the Plugin:
  • Go to your WordPress Admin Dashboard.
  • Navigate to Plugins > Installed Plugins.
  • You should see the newly created Loan Calculator plugin.
  • Click Activate to enable the plugin.
  1. Use the Shortcode in Your Page/Post:
  • Create or edit a page where you want the loan calculator to appear.
  • Use the following shortcode to display the loan calculator:
   [loan_calculator]
  1. Add Some Custom CSS (Optional):
  • You can customize the appearance of the loan calculator using CSS.
  • Add custom CSS either in your theme’s style.css file or via the Customizer in Appearance > Customize > Additional CSS. Example CSS to style the form:
   .container {
       max-width: 600px;
       margin: 0 auto;
       padding: 20px;
       background-color: #fff;
       box-shadow: 0 0 10px rgba(0, 0, 0, 0.1);
   }

   input[type="number"], input[type="submit"] {
       width: 100%;
       padding: 10px;
       margin-bottom: 20px;
       border: 1px solid #ccc;
       border-radius: 5px;
   }

   input[type="submit"] {
       background-color: #28a745;
       color: #fff;
       cursor: pointer;
   }

   .result {
       font-size: 18px;
       text-align: center;
       color: #333;
   }

2. Use a Plugin to Enable PHP in Pages/Posts (Simpler Method)

If you don’t want to create a custom plugin, you can use a plugin that allows PHP code to be executed directly in posts and pages.

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Steps:
  1. Install a PHP Code Execution Plugin:
  • Go to Plugins > Add New in your WordPress Dashboard.
  • Search for “Insert PHP Code Snippet” or “PHP Code Snippets” and install a plugin that allows PHP execution.
  • Activate the plugin.
  1. Create a Snippet:
  • Once the plugin is installed, navigate to the plugin’s settings and create a new PHP snippet.
  • Paste the loan calculator code (from the first method) inside the snippet.
  1. Use the Snippet in a Post or Page:
  • After creating the snippet, you will get a shortcode like [insert_php_snippet id="1"].
  • Place this shortcode in any page or post where you want the loan calculator to appear.

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