Free loan math · 100% in your browser · No account needed
Loan & Amortization Calculators
Auto, personal, student and mortgage payment math — offline-friendly and ad-light
Every calculator runs in your browser — nothing is uploaded, nothing is trackedPicking a loan is about two numbers: what you pay each month, and what it costs in total. Every calculator on this site answers both with the same standard formula banks use — rate, term and fees all laid out before you sign.
- Free & private — runs in your browser, no account, no upload
- Every formula explained on the page, with a worked example
- Zero maintenance — the math is published finance, it never goes stale
Every calculator on this page answers the same two questions: what will this loan cost per month, and what will it cost in total. Pick your loan type below, enter three or four numbers, and the math runs instantly in your browser — nothing is uploaded, nothing is tracked, and no account is needed.
Car Loans3
Auto Loan Calculator
Monthly payment and total interest for a car loan.
Car Loan Calculator with Trade In
Lower your loan with a trade-in value.
Loan Calculator with Trade In and Taxes
Include sales tax in the financed amount.
Payment, Rate & Comparison10
Loan Payment Calculator
Monthly payment for any loan — auto, RV, boat, solar and more.
Refinance Loan Calculator
Does refinancing pay off?
Loan Calculator with Balloon Payment
Low payments, big end balance.
Loan Comparison Calculator
Two loan offers side by side.
Loan Calculator with APR
True annual cost including the fee.
Loan Deferment Calculator
Interest grows during deferment.
Loan Calculator by Monthly Payment
How much can you borrow for a target payment?
Loan Term Calculator
How long will it take to clear the loan?
Loan Calculator with PMI
Add mortgage insurance to the monthly payment.
Loan Calculator with Fee
Origination fee added to the loan.
Amortization & Payoff8
Loan Amortization Calculator
Full payment-by-payment breakdown for any loan.
Loan Amortization Schedule with Extra Payments
Extra payments shorten the schedule and cut interest.
Loan Payoff Calculator
Amount to settle any loan now, and the interest saved.
Early Loan Payoff Calculator
Shorten any loan with extra monthly payments.
Loan Interest Calculator
Total interest over the life of any loan.
Remaining Loan Balance Calculator
What do you still owe after some payments?
Biweekly Loan Payment Calculator
Pay half every two weeks and save interest.
Simple Interest Loan Calculator
Interest that does not compound.
Student Loans2
Student Loan Calculator
Monthly payment and interest on a student loan.
Student Loan Payoff Calculator by Date
Find the payment to clear your loan by a target date.
Personal & Debt2
Personal Loan Calculator
Monthly payment on an unsecured personal loan.
Debt Consolidation Loan Calculator
Merge high-rate debts into one lower payment.
Why the numbers matter
Loan offers quote interest rates and monthly payments, but the real cost is the combination of rate, term and fees. A longer term lowers the payment and raises the total; a lower rate does the opposite. The calculators here show both numbers on every loan so the trade-off is visible before you sign.
All tools use the standard amortizing loan formula that lenders use — published financial mathematics that do not change. That is why these calculators stay correct year after year without updates.