Loans & Debt

Work out payments and payoff on any loan or debt: auto, student, personal, business, and SBA loans, credit cards, and snowball or avalanche plans.

30 free loans & debt tools, no signup.

• Amortization Schedule CalculatorCalculate your monthly payment and see how the very first payment splits into interest versus principal. Free and accurate.
• APR CalculatorConvert a loan rate plus fees into the true APR, with the monthly payment and total finance charge.
• Auto Lease CalculatorEstimate a car lease monthly payment from the negotiated price, residual value, money factor, term, and sales tax, with the depreciation and finance split.
• Auto Loan CalculatorCalculate your car loan payment from the vehicle price, down payment, trade-in, and sales tax. See the monthly payment, total interest, and amount financed.
• Auto Refinance CalculatorCompares your current car payment to a refinanced one and shows the new monthly payment and how much you would save each month. Free and accurate.
• Balance Transfer CalculatorCompare keeping a credit card balance against a balance transfer: see the fee, interest both ways, and your net savings. Free and accurate.
• Boat Loan CalculatorEstimate the monthly payment, total interest, and amount financed on a boat loan after down payment, trade-in, and sales tax.
• Business Loan CalculatorCalculate the monthly payment, total interest, and total cost of a business loan, including the origination fee, from the amount, rate, term, and fee percentage. Free and accurate.
• Credit Card Interest CalculatorSee the daily, monthly, and yearly interest a credit card balance racks up at its APR when you carry it. Free credit card interest calculator.
• Credit Card Minimum Payment CalculatorSee how long it takes to pay off a credit card making only the minimum payment, plus the total interest it costs. Free and accurate.
• Credit Card Payoff CalculatorSee how many months it takes to pay off a credit card and the total interest you will pay from your balance, APR, and monthly payment. Free and accurate.
• Debt Avalanche CalculatorSee how fast you can be debt-free with the avalanche method: pay the highest APR first to minimize the interest you pay, then roll that payment into the next-highest rate. Free and accurate.
• Debt Consolidation CalculatorCompare the total interest of paying off your current debts versus rolling them into a single consolidation loan. See your new payment and how much interest you could save.
• Debt Payoff CalculatorSee how long it takes to pay off a debt and the total interest you will pay from your balance, APR, and monthly payment. Free and accurate.
• Debt Snowball CalculatorSee how fast you can be debt-free with the snowball method: pay the smallest balance first, then roll its payment into the next-smallest debt. Free and accurate.
• Debt-to-Income CalculatorCalculate your debt-to-income (DTI) ratio from your monthly debt payments and gross monthly income. Lenders generally prefer a DTI at or below the 36% guideline. Free and accurate.
• EMI CalculatorCalculate your loan EMI, total payment, and total interest from the principal, rate, and tenure. Free and accurate.
• Income-Driven Repayment CalculatorEstimate federal student loan payments under PAYE, IBR, and SAVE from your income and family size. 2024 estimate.
• Lease vs Buy CalculatorCompare the total cost of leasing a car versus financing it. Enter lease terms, loan terms, and the car resale value to see which is cheaper.
• Loan CalculatorCalculate the monthly payment, total interest, and total cost of any loan from the amount, rate, and term. Free and accurate.
• Loan Comparison CalculatorCompare two loan offers on the same amount side by side. See each monthly payment and total interest, and find out which loan is cheaper.
• Loan Payment CalculatorCalculate your monthly loan payment, total interest, and total cost from the loan amount, interest rate, and term. Free and accurate.
• Loan Payoff CalculatorSee how extra monthly payments shorten your loan and cut total interest. Compare payoff time and interest with and without the extra payment.
• Motorcycle Loan CalculatorEstimate the monthly payment, total interest, and amount financed on a motorcycle loan after down payment, trade-in, and sales tax.
• Personal Loan CalculatorCalculate the monthly payment, total interest, and total cost of a personal loan from the amount, rate, and term. Free and accurate.
• RV Loan CalculatorEstimate the monthly payment, total interest, and amount financed on an RV or motorhome loan after down payment, trade-in, and sales tax.
• SBA Loan CalculatorEstimate SBA 7(a) loan payments, total interest, and the one-time guarantee fee. Enter your amount, rate, and term for a full monthly and lifetime cost breakdown.
• Student Loan CalculatorCalculate the monthly payment, total interest, and total cost of a student loan from the balance, rate, and term. Free and accurate.
• Student Loan Payoff CalculatorSee how extra monthly payments shorten a student loan and how much interest you save, with month-by-month accuracy.
• Student Loan Refinance CalculatorCompare a student loan refinance: new monthly payment, monthly savings, and total interest at a new rate and term.