Skip to content

24 free calculators

Loan calculators

Every calculator here runs in your browser and nothing you type is sent to us. Start with the payment, then check the total cost.

Check offers See all calculators

The lowest rates are only available to the most qualified applicants.

Advertising disclosure: Loancalculated may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. Read the full disclosure.

All calculators

Personal Loan Calculator Work out the monthly payment on a personal loan, plus the interest and total cost over the term. Enter your own amount, rate, and term to compare offers. Loan Payment Calculator Find the monthly payment on a fixed-rate installment loan. Enter the amount, rate, and term to see the payment alongside total interest and total repaid. Loan Payoff Calculator See how many monthly payments remain on a loan and what the leftover interest costs. Enter the balance, rate, and your payment to find your payoff point. Loan Amortization Calculator Build a month-by-month amortization schedule for a fixed-rate loan. See the payment and how each installment splits between interest and principal over time. Loan Interest Calculator Total up the interest on a fixed-rate loan. Enter the amount, rate, and term to see the payment, the interest over the life of the loan, and the full repayment. APR Calculator Estimate the APR on a loan that carries upfront fees. Enter the amount, rate, term, and fees to compare the note rate with the nominal and effective APR. Debt Consolidation Calculator Put your current debts next to a single consolidation loan. See the new payment, the interest on each path, and whether combining them really saves money. Auto Loan Calculator Work out a car loan payment, the amount financed, and the total interest. Enter the vehicle price, down payment, trade-in, sales tax, rate, and term to compare. Student Loan Calculator Estimate a student loan payment and see how an extra monthly amount shortens the payoff and cuts interest. Enter balance, rate, term, and any extra payment. Home Equity Loan Calculator Estimate the payment and total interest on a fixed-rate home equity loan. Enter the amount, rate, and term to plan a second mortgage against your equity. Credit Card Payoff Calculator See how long a credit card balance takes to clear and what the interest adds up to. Enter the balance, APR, and your monthly payment to map out the payoff. Debt-to-Income Ratio Calculator Work out your debt-to-income ratio from gross monthly income and monthly debt payments. See the housing ratio and the total ratio that lenders review. Loan Comparison Calculator Set two competing loan offers next to each other. Enter the amount, rates, and terms to see each monthly payment, total interest, and which one costs less. Biweekly Payment Calculator See how biweekly payments stack up against monthly ones. Enter the amount, rate, and term to estimate the payoff time and the interest you could save. Boat Loan Calculator Estimate the monthly payment, total interest, and full cost of a boat loan. Enter the price, down payment, rate, and term to see what the financing adds. RV Loan Calculator Work out the payment on a motorhome or travel-trailer loan and see the total interest. Enter the price, down payment, rate, and term to compare the financing. Motorcycle Loan Calculator Estimate the monthly payment and total interest on a motorcycle loan. Enter the price, down payment, rate, and term to see the full cost of the financing. Interest-Only Loan Calculator See the interest-only payment and the higher payment that follows. Enter the amount, rate, term, and interest-only months to map both phases of the loan. Land Loan Calculator Estimate the payment on a land loan and the total interest. Enter the price, down payment, rate, and term to price financing for a vacant lot or acreage. SBA Loan Calculator Estimate the monthly payment and total interest on an SBA-backed business loan. Enter the amount, rate, and term to model the financing before you apply. HELOC Calculator Estimate a HELOC payment during the draw period and after it ends. Enter your credit line, rate, draw months, and repayment months to see both phases. Simple Loan Calculator Work out simple interest on a loan and the total you repay. Enter the principal, annual rate, and term in months to see interest, total due, and monthly cost. Extra Payment Calculator See how an extra monthly payment changes a loan. Enter the amount, rate, term, and extra payment to compare payoff time, interest, and the money saved. Loan-to-Value Calculator Calculate the loan-to-value ratio and combined LTV on a property. Enter the loan amount, property value, and other liens to see LTV and your equity position.

Related reading

Frequently asked questions

Are these loan calculators free?

Yes. Every calculator on Loancalculated runs in your browser, is free, and requires no sign-up. Nothing you type is sent to us.

How accurate are the results?

The calculators use the standard amortization and APR formulas used across consumer lending. They give an accurate estimate for the numbers you enter, but the exact figure depends on your lender's fees, compounding and rounding.