Loans & Debt
Loan & Debt Calculators
Free interactive tools for mortgages, auto and student loans, credit card and debt payoff strategy, and loan comparison.
Whether you are shopping for a mortgage, comparing loan offers, deciding between the debt avalanche and snowball methods, or figuring out how a 0% balance transfer stacks up, these free calculators give you instant, formula-accurate answers. Every calculator runs entirely in your browser — no account required.
Start with the mortgage affordability calculator or debt payoff calculator depending on whether you are borrowing or paying down debt, then explore the tools below.
Loan & Debt Calculators
Mortgages
Mortgage Calculator
Calculate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI.
Use calculator02Mortgage Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment.
Use calculator03Mortgage Payoff Calculator
See how extra payments or a bi-weekly schedule can pay off your mortgage years early and save on interest.
Use calculator04Interest-Only Mortgage Calculator
Calculate payments during and after the interest-only period of an interest-only mortgage.
Use calculator05ARM Calculator
Calculate initial and post-adjustment payments for an adjustable-rate mortgage (ARM).
Use calculator06Refinance Calculator
Calculate your break-even point and savings from refinancing your mortgage, including closing costs.
Use calculator07Amortization Schedule Calculator
Generate a full payment-by-payment amortization schedule for any loan, including extra principal payments.
Use calculator08Balloon Payment Calculator
Calculate the balloon payment due at the end of a balloon loan or balloon mortgage term.
Use calculator09Bridge Loan Calculator
Calculate the cost of a short-term bridge loan used to finance a home purchase before selling your current home.
Use calculatorAuto & Personal Loans
EMI Calculator
Calculate the equated monthly installment (EMI) for any loan based on principal, rate, and tenure.
Use calculator02Car Loan Calculator
Calculate your monthly car payment including sales tax, trade-in value, and loan term.
Use calculator03Auto Lease Calculator
Calculate your monthly lease payment and compare leasing versus buying based on depreciation.
Use calculator04Personal Loan Calculator
Calculate your monthly payment and total interest for an unsecured personal loan.
Use calculator05Loan Comparison Calculator
Compare two or more loan offers side by side to see which one costs less over the life of the loan.
Use calculatorStudent Loans
Student Loan Calculator
Calculate your student loan payment under a standard plan or an income-based repayment plan.
Use calculator02Student Loan Refinance Calculator
Calculate your savings from refinancing federal or private student loans to a lower rate.
Use calculatorDebt Payoff & Credit Cards
Debt Payoff Calculator
Compare the debt avalanche and debt snowball strategies to pay off multiple debts fastest.
Use calculator02Credit Card Payoff Calculator
Calculate how long it takes and how much interest you will pay to pay off one or more credit cards.
Use calculator03Credit Card Minimum Payment Calculator
See how long it takes and how much interest you pay if you only make minimum payments on your credit card.
Use calculator04Balance Transfer Calculator
Calculate whether a 0% APR balance transfer offer saves you money after transfer fees.
Use calculatorRates & Qualification
Frequently Asked Questions
What is a loan calculator?
A loan calculator is an interactive tool that computes payments, interest costs, payoff timelines, and other loan metrics from the numbers you enter, using standard amortization and finance formulas.
Are these loan calculators free to use?
Yes, all our loan and debt calculators are completely free to use. No account or subscription is required.
Which loan calculator should I use first?
If you're shopping for a mortgage, start with the mortgage affordability calculator to see what you qualify for, then the mortgage calculator for the actual payment. If you're managing existing debt, start with the debt payoff calculator to compare avalanche and snowball strategies.
Do these calculators account for fees and closing costs?
Yes, where relevant. The refinance calculator factors in closing costs and break-even timing, the mortgage calculator supports taxes/insurance/PMI, the balance transfer calculator accounts for transfer fees, and the loan comparison calculator lets you enter fees for each offer.
Can I use these calculators on my phone?
Yes, every calculator on this page is fully responsive and works on desktop, tablet, and mobile devices.
Ready to plan your next loan or payoff strategy?
Start with the mortgage calculator, then check the debt-to-income ratio calculator to see where you stand.