Loans & Debt
Work out monthly payments, total interest and payoff dates for auto loans, personal loans, student loans, credit cards and more. Each calculator uses standard amortization math, so you see exactly how much of every payment goes to interest versus principal.
Popular in this category: Loan Calculator, Auto Loan Calculator, Car Payment Calculator
Loan Calculator
Calculate monthly payments, total interest and payoff for any loan
Auto Loan Calculator
Estimate your car loan payment with trade-in, tax and down payment
Car Payment Calculator
Calculate your monthly car payment and total cost
Personal Loan Calculator
Estimate personal loan payments and total interest
Student Loan Calculator
Estimate student loan payments and payoff timeline
Business Loan Calculator
Calculate business loan payments and total cost of borrowing
Boat Loan Calculator
Estimate monthly payments on a boat or marine loan
APR Calculator
Find the true annual percentage rate including fees
Loan Payoff Calculator
See how fast you can pay off a loan with extra payments
Credit Card Payoff Calculator
Find out how long it takes to pay off your credit card
Debt-to-Income Calculator
Calculate your DTI ratio that lenders use to approve loans
Debt Payoff Calculator
Plan your debt payoff with snowball or avalanche method
Interest-Only Loan Calculator
Compare interest-only payments to fully amortized payments
Car Affordability Calculator
Find out how much car you can afford on your budget
Car Lease Calculator
Estimate your monthly car lease payment
Balloon Loan Calculator
Calculate payments and the final balloon amount
RV Loan Calculator
Estimate monthly payments on an RV loan
Motorcycle Loan Calculator
Calculate monthly motorcycle loan payments
Loan Comparison Calculator
Compare two loans side by side
About loans & debt calculators
Pick the right loan calculator
The general Loan Calculator handles any fixed-rate installment loan, while the Auto Loan and Car Payment calculators add trade-in value, sales tax and fees. For revolving debt, the Credit Card Payoff Calculator shows how long a balance takes to clear, and the Debt-to-Income Calculator gives you the ratio lenders check before approving you.
What you need to enter
Installment-loan tools need the amount borrowed, the annual interest rate (APR) and the term in months or years. Auto tools also ask for down payment, trade-in and tax rate. For payoff tools, enter your current balance and any extra monthly payment to see how much interest you save.
A worked example
Finance a $30,000 car at 7% APR over 60 months and the payment is about $594 a month. Over the full term you repay roughly $35,642, meaning $5,642 goes to interest. Shortening the term to 48 months raises the monthly payment but cuts total interest sharply, which the Loan Comparison Calculator lets you test side by side.
Frequently asked questions
What's the difference between APR and interest rate?
The interest rate is the cost of borrowing the principal. APR adds certain fees, so it is usually a little higher and is the better number for comparing loans. Our APR Calculator converts between the two.
Does a longer loan term save money?
It lowers the monthly payment but raises total interest, because you borrow for longer. A $30,000 loan at 7% costs far less over 48 months than over 72, even though each monthly payment is higher.
Will using these calculators affect my credit?
No. Every calculation runs in your browser and nothing is submitted to a lender. Only a formal loan application triggers a hard credit inquiry.