What loan calculators answer
Every loan boils down to three numbers: principal, rate, and term. The calculators here turn those into the things you actually want to know — monthly payment, total interest paid, payoff date, and what an extra payment shaves off. The Amortization Schedule shows the full month-by-month split between principal and interest for any loan, which is the most revealing view of how much of each payment is actually retiring debt versus paying interest.
Auto, personal, and student loans
The Auto Loan Calculator handles the specifics of car financing, including trade-in value and down payment effects on the financed amount. The Personal Loan Calculator covers unsecured installment loans — debt consolidation, home improvement, medical expenses — where rate is driven primarily by credit score. The Student Loan Calculator handles federal and private student loans, with extra-payment scenarios and refinance comparisons that show how much an interest rate change actually saves.
Comparing offers and refinancing
The Loan Comparison Calculator puts two offers side-by-side — useful for refinance decisions, choosing between term lengths, or evaluating buy-down points. A shorter term almost always lowers total interest paid but raises the monthly payment; the comparison view makes the trade-off explicit. For credit-card debt, the Balance Transfer Calculator answers a different question: whether a 0% promotional period actually saves you money once the transfer fee and post-promo APR are factored in.
Paying off debt strategically
For multiple debts at once — credit cards, personal loans, medical bills — the Debt Payoff Calculator handles the two main strategies. Avalanche targets the highest-rate debt first (mathematically optimal). Snowball targets the smallest balance first (psychologically motivating because of faster wins). The calculator shows total interest and payoff date under each strategy so you can pick the one that fits your situation.
Related categories
Mortgages have their own dedicated tools that include taxes, insurance, and PMI — see Mortgage Calculators. For wealth-building tools where you're the creditor (CDs, savings, compound interest), see Savings & Investing.