Free Loan Calculators

Amortization Calculator

Build a payment-by-payment schedule for any fixed-rate loan and see how the split between interest and principal shifts from the first payment to the last.

Loan Comparison Calculator

Line up two loan offers and see the gap in monthly payment, total interest, and lifetime cost before you commit to either one.

Mortgage Calculator

Estimate a full monthly mortgage payment, with property tax, homeowners insurance, and PMI counted alongside principal and interest.

Refinance Calculator

Weigh your current mortgage against a new one. See the monthly savings, the break-even month on closing costs, and lifetime interest on both loans.

FHA Loan Calculator

See what an FHA loan costs per month once both insurance premiums are counted: the 1.75 percent upfront charge and the annual MIP on every payment.

VA Loan Calculator

Model a VA home loan with nothing down and no monthly mortgage insurance. The one-time funding fee is calculated and financed into the balance for you.

HELOC Calculator

Work out both HELOC payments: the interest-only amount during the draw years, and the larger principal-and-interest payment once repayment begins.

Home Equity Loan Calculator

Get the fixed monthly payment on a home equity loan, plus your combined loan-to-value ratio and the equity cushion left after you borrow.

USDA Loan Calculator

Estimate a zero-down USDA loan payment with the 1% guarantee fee financed into the balance and the 0.35% annual fee included month by month.

Jumbo Loan Calculator

Price a mortgage too large for Fannie Mae or Freddie Mac to buy: principal, interest, property tax, and insurance sized for a jumbo balance.

ARM Calculator

Compare an adjustable-rate mortgage payment during its fixed years against the payment after the rate resets, using your own rate assumptions.

First-Time Homebuyer Calculator

Turn your income, debts, and savings into a realistic price range, then see which loan programs fit the down payment you actually have.

Manufactured Home Loan Calculator

Estimate the payment on a manufactured home loan, whether the home is financed as personal property on a chattel loan or as real estate with a mortgage.

Auto Loan Calculator

Turn a vehicle price, down payment, trade-in, sales tax, and APR into a monthly payment, and see what the loan costs in interest before you sign anything.

Car Affordability Calculator

Solve backward from the payment you can carry each month to a maximum car price, with the down payment, rate, term, and sales tax folded into the answer.

Auto Refinance Calculator

Put your current car loan next to a refinance offer and see the change in monthly payment and lifetime interest before you commit to anything.

Lease vs Buy Calculator

Compare leasing and buying the same car over one window: cash out of pocket, monthly payments, and the equity that only exists on the buying side.

RV Loan Calculator

Estimate the monthly payment on a motorhome or trailer, where terms reaching 20 years keep the payment small while the interest quietly compounds the cost.

Boat Loan Calculator

Work out the payment on a new or used boat over marine terms as long as 20 years, and see the interest total before slips and storage start their own tab.

Personal Loan Calculator

Estimate the monthly payment on an unsecured personal loan, see how much the origination fee takes off the top, and compare total interest across two to seven year terms.

Debt Consolidation Calculator

Compare your current card balances against one consolidation loan at a lower rate and see the change in monthly payment, payoff date, and total interest.

Medical Loan Calculator

Spread a hospital, dental, or fertility bill over fixed monthly payments and see what a 0% promotional offer really costs if the balance outlives the promotion.

Solar Loan Calculator

Price a solar loan against your current electric bill, compare interest across 10 to 25 year terms, and model the system with or without a tax credit.

Student Loan Repayment Calculator

Work out the monthly payment on a student loan over 10 to 25 years, then test how much an extra payment each month trims from the interest bill and the payoff date.

Parent PLUS Loan Calculator

Estimate the monthly bill on a Parent PLUS loan, including the origination fee that comes off the top before the school ever sees the money.

Income-Driven Repayment (IDR) Calculator

See what SAVE, PAYE, IBR, and ICR would each charge per month based on your income and family size, lined up against the standard 10-year payment.

Student Loan Forgiveness Calculator

Project what would be left of your student loan balance at the 10-year PSLF mark or after 20 to 25 years of income-driven payments, plus everything paid along the way.

Student Loan Refinance Calculator

Line up your current student loan against a refinance offer to see the monthly and lifetime interest difference, and weigh what refinancing federal loans gives up for good.

Business Loan Calculator

Work out the monthly payment and total interest on a business term loan, and see how much cash actually reaches your account after the origination fee.

SBA Loan Calculator

Estimate the monthly payment on an SBA loan with the upfront guarantee fee rolled into the balance, plus total interest across the full term.

SBA 7(a) Loan Calculator

Size the monthly payment on an SBA 7(a) loan up to $5 million, with the tiered guarantee fee added to the balance the way most borrowers finance it.

SBA 504 Loan Calculator

Price an SBA 504 project the way the program actually splits it: a bank loan for half, a CDC debenture for 40 percent, and your 10 percent down.

Equipment Financing Calculator

Figure the monthly payment on financed business equipment after a down payment, with an optional residual buyout for modeling lease structures.

Farm Loan Calculator

Estimate the payment on a farm loan for land, equipment, livestock, or operating expenses. Term presets follow common FSA and commercial agricultural structures.

Startup Loan Calculator

Estimate payments on startup capital from an SBA microloan, an online lender, or a personal loan, and see what the rate you qualify for does to total cost.

Debt-to-Income (DTI) Calculator

Add up your monthly debts, divide by gross income, and see both DTI ratios lenders check. Most loan programs want the back-end figure at or below 43 percent.

Loan-to-Value (LTV) Calculator

Loan balance divided by property value gives your LTV, the ratio that decides whether you pay PMI, which rate tier you land in, and what refinances are open.

Title Loan Calculator

A 25 percent monthly fee on a title loan is a 300 percent APR. Total the fees, the payback, and the repossession risk before you sign over a car title.

Payday Loan Calculator

That flat $15 per $100 fee is a 391 percent APR. Convert any payday quote to an annual rate and see what each rollover adds while the balance stands still.

Credit-Builder Loan Calculator

Price a credit-builder loan: fixed monthly payments the lender reports to the bureaus while your principal sits in locked savings until the term ends.

DSCR Loan Calculator

Check whether a rental qualifies on its own income. Enter rent, expenses, and loan terms to see the debt service coverage ratio, the payment, and monthly cash flow.

Bridge Loan Calculator

Price a bridge loan before you commit. The tool totals the interest only monthly carry, origination points, and the balloon that comes due when the term ends.

Hard Money Loan Calculator

Work out what asset based money really costs. The loan is sized off value or ARV at your chosen LTV, and the output itemizes monthly interest, points, and the total for the term.

Construction Loan Calculator

See both halves of a construction to permanent loan: interest only payments on the draw balance while the house goes up, then the full amortized payment after conversion.

Land Loan Calculator

Estimate the payment on a lot or acreage purchase. Down payments of 20 to 50 percent and rates above home mortgage levels are the norm, because vacant ground is hard collateral to resell.