Run the numbers before you borrow.
Every calculator here uses the same amortization math your lender uses, runs entirely in your browser, and asks for nothing. No email, no personal details, no credit check — just the real figures.
Before you take a loan
Personal Loan Calculator
The everyday one. Set an amount, rate and term and see your monthly payment, the total interest, and what the loan really costs by the end.
Amortization Calculator
The full picture. Builds a complete month-by-month schedule so you can watch every payment split between interest and principal, and the balance fall to zero.
Short-Term Loan Calculator
For small, short-term borrowing where APRs run high. Shows what a payday-range rate actually costs over a few months — usually a sobering number.
If you already have debt
Debt Consolidation Calculator
Compares your real payoff path against one consolidation loan and shows the interest and months you'd save — or warns you when consolidating isn't worth it.
Debt Payoff Calculator
Snowball versus avalanche, run head to head on your actual debts. See which order costs less, by how much, and when the two methods tie.
Loan Payoff Calculator
Find out what an extra $25, $50 or $100 a month is actually worth. On a typical balance it can cut years off the loan and save four figures in interest.
Which calculator do you need?
Pick the sentence that sounds like you.
| If you're thinking… | Use this |
|---|---|
| "What would the monthly payment be?" | Personal Loan Calculator |
| "Show me every payment, month by month." | Amortization Calculator |
| "Would one loan be cheaper than what I'm paying now?" | Debt Consolidation Calculator |
| "Which debt should I attack first?" | Debt Payoff Calculator |
| "What if I paid a bit extra each month?" | Loan Payoff Calculator |
| "I need a few hundred dollars until payday." | Short-Term Loan Calculator |
How these calculators work
No black boxes. Two pieces of maths cover every tool on this page.
Fixed-rate loans use amortization
M = monthly payment · P = amount borrowed · r = APR ÷ 12 · n = number of months
Then each month: interest = balance × r, principal = payment − interest, and the balance drops by the principal. Repeat to the end.
Open-ended debt gets simulated
Credit cards and other revolving balances have no fixed end date, so no formula can solve them. Those tools step forward one month at a time — charge interest, subtract the payment, repeat — until the balance reaches zero. That loop is what produces a real payoff date.
What they deliberately exclude
- Origination fees (often 1–8%, deducted from your funds).
- Late fees, penalty rates and insurance.
- Variable rates, interest-only periods and balloon payments.
Everything assumes a constant rate and equal payments. That makes the tools honest for comparing scenarios — and means your lender's disclosure is always the final word.
Estimates are useful. Your real rate is better.
Every number here depends on the APR you plug in. See the one you actually qualify for in about 5 minutes — soft check, no impact to your credit.
Free matching service · You choose whether to accept any offer