๐ณ Loans & Credit
Free loan and credit calculators: monthly payments, APR vs interest rate, amortization schedules, debt payoff strategies and student or car loans.
Before signing a loan, run the numbers here: monthly payment, total interest, amortization schedule and how extra payments shorten the term. The calculators cover personal loans, car loans, student debt and credit cards.
APR and nominal rate are kept separate on purpose โ one includes fees, the other does not. Debt tools compare snowball and avalanche orders so you can pick a payoff strategy with your own numbers, not generic advice.
Amortization Calculator
Calculate your monthly loan payment and generate a full amortization schedule. See how much goes to principal vs. interest over time.
APR Calculator
Find the true Annual Percentage Rate of any loan. Enter the principal, interest rate, fees and term to see the real cost of borrowing โ all computed locally in your browser.
Balloon Loan Calculator
Calculate monthly payments and the final balloon payment for any balloon loan.
Car Loan Calculator
Calculate monthly payments and total interest.
Credit Card Calculator
See how long it takes to pay off credit card debt and how much interest you will pay.
Debt Payoff Calculator
Compare snowball and avalanche debt payoff strategies.
Debt-to-Income Calculator
Enter your gross monthly income and all monthly debt payments to calculate your DTI ratio, including front-end and back-end ratios and recommended mortgage limits.
EMI Calculator
Calculate the monthly payment on any loan. Enter the loan amount, annual interest rate and term to see your EMI, total interest, total payment and a full amortization schedule.
FHA Loan Calculator
Estimate your FHA mortgage payment including mortgage insurance premiums. Enter the home price, rate and term to see your full monthly cost.
Loan Calculator
Estimate your monthly payments, total interest, and total cost for any loan. Add extra payments to see how much you can save.
Loan-to-Value Calculator
Calculate your mortgage Loan-to-Value ratio by entering the loan amount and appraised property value to see your LTV, down payment, and PMI status.
Simple Interest Calculator
Calculate simple interest and total amount.
Student Loan Calculator
Estimate your monthly student loan payments and total repayment cost.
Student Loan Repayment Calculator
Calculate how much student loan you will repay each month and year. Supports Plan 1, Plan 2, Plan 4, Plan 5 and Postgraduate loans, including multiple plan combinations.
Frequently asked questions
What is the difference between APR and interest rate?
APR bundles lender fees into a single yearly cost, while the nominal rate covers interest only โ that is why APR is usually higher.
Do the loan calculators include insurance or fees?
You can enter them as extra monthly costs; the tools state clearly which fees are included and which are not.
Which debt payoff order is better?
Avalanche (highest rate first) saves the most money; snowball (smallest balance first) wins on motivation. The calculator shows both timelines.