Loans & debt calculators
20 free calculators · instant · nothing you enter is uploaded
Loans and debt are where a small change in a rate or a term quietly changes the total you pay. These calculators break a mortgage, car loan, student loan or credit-card balance into the parts that actually matter — the monthly payment, the interest you hand over, and the number of months until the balance is gone. Use them to compare two offers side by side, to see what an extra payment does to the finish date, and to work out whether paying down debt or saving first moves you faster toward being debt-free.
Mortgage Calculator
Monthly payment and total interest.
Mortgage Amortization Schedule
Year-by-year balance and interest.
Auto Loan Calculator
Car payment with down payment and trade-in.
Personal Loan Calculator
Monthly payment and true cost.
Student Loan Calculator
Repayment and the effect of extra payments.
Credit Card Payoff Calculator
How long to clear a card balance.
Debt Payoff Calculator
Snowball versus avalanche, compared.
Debt-to-Income Ratio Calculator
How lenders see your borrowing capacity.
Car Payment Calculator
Monthly auto loan payment and true cost.
Mortgage Refinance Calculator
Will refinancing pay off, and when?
Extra Payment / Loan Payoff Calculator
See how much an extra payment saves.
Credit Utilization Calculator
Utilisation ratio and how to hit your target.
Mortgage Payoff Calculator
How much sooner can you own your home?
Credit Card Interest Calculator
What your balance really costs you.
Minimum Payment Calculator
The true cost of paying only minimums.
Loan Comparison Calculator
Two loan offers, side by side.
Balloon Payment Calculator
Low monthly payments — and the lump sum at the end.
Car Lease vs Buy Calculator
Which really costs less over the years you keep it?
Car Depreciation Calculator
How fast your car loses value, year by year.
Debt Snowball vs Avalanche Calculator
Two payoff methods, compared on time and interest.