Loan calculators
Mortgage, auto, personal and more — each one gives you the payment plus the full breakdown.
Every loan calculator here runs on the same standard amortization math that banks use for fixed-rate loans. Enter your amount, interest rate (APR) and term, and you get three things most calculators skip: your exact monthly payment, the total interest you'll pay over the life of the loan, and a full month-by-month schedule showing how each payment splits between principal and interest. Most also let you add an extra monthly payment to see how many years and how much interest you'd save.
All the math runs in your browser — nothing you type is sent to or stored on our servers — and every tool is free with no sign-up.
Which loan calculator do you need?
Buying or borrowing against a home? Use the Mortgage Calculator for a purchase, the Home Equity Loan Calculator to borrow against equity, or the Home Improvement, Solar and Pool calculators for specific projects.
Financing a vehicle? Try the Auto Loan, Truck, Motorcycle, RV, Boat or Tractor calculator.
Paying off debt? The Credit Card Payoff and Debt Consolidation calculators show your payoff time and interest, and the Extra Payment Calculator shows what overpaying does to any loan.
Personal, student, business or land? Use the Personal Loan, Student Loan, Business Loan or Land Loan calculator.
Frequently asked questions
How is a loan payment calculated?
Fixed-rate loans use the amortization formula M = P·r / (1 − (1 + r)−n), where P is the amount borrowed, r is the monthly rate (APR ÷ 12) and n is the number of monthly payments. Interest each month is charged on the remaining balance; the rest of the payment reduces the principal.
Do these calculators include taxes, insurance or fees?
No — they show principal and interest only. Real-world costs like property tax, insurance, origination fees or PMI vary by lender and location, so estimate those separately and add them on top.
How much can extra payments save me?
Every extra dollar goes straight to principal, which removes all the future interest that dollar would have generated. Most calculators here have an “extra payment” field so you can see your new payoff date and interest saved instantly.
Are the calculators free and private?
Yes. They're completely free with no sign-up, and all math runs in your browser — the figures you enter are never sent to our servers.
Last updated: July 2026 · How we calculate