Loan & Debt Calculators
Borrowing has two prices: the payment you feel each month, and the total interest you only see if you look. These calculators show both, and the debt-to-income calculator shows how a lender reads the same numbers.
Loans
Loan Calculator
Find the payment on any fixed-rate loan, see the amortization schedule, and check what paying extra would save.
Auto Loan Calculator
Estimate a car payment with sales tax, fees, a down payment, and a trade-in all accounted for.
APR Calculator
Find the true annual percentage rate on a loan once origination fees and prepaid charges are counted, solved from the real cash flows.
Loan Comparison Calculator
Put up to three loan offers side by side on payment, fees, total cost, APR, and payoff time — with a winner named for each measure.
Credit cards and payoff
Credit Card Payoff Calculator
Find out how long a card balance takes to clear, what the interest totals, and what paying extra would save.
Credit Card Minimum Payment Calculator
See how long a balance takes to clear on minimum payments alone under your card's own formula, and what a fixed extra payment changes.
Payoff strategies
Debt Snowball Calculator
Clear the smallest balance first and roll each freed payment into the next, with the date you are debt free and what the order costs against the alternative.
Debt Avalanche Calculator
Attack the highest rate first — the mathematically cheapest order — and see exactly what it saves against paying the smallest balance first.
Debt Consolidation Calculator
Compare several debts against one consolidation loan on both the monthly payment and the total cost — the two often disagree.
Debt ratios
Reading debt numbers honestly
A longer term almost always lowers the payment and raises the total cost. The two move in opposite directions, and offers emphasise whichever flatters them — comparing on total interest, which every calculator here reports, keeps the comparison honest.
For card debt the number that matters most is the gap between your payment and the monthly interest charge. That gap is the only part actually reducing the balance, and the payoff calculator shows what widening it buys you in months and dollars.
Other categories
Taxes
Estimate federal income tax, paycheck withholding, capital gains, self-employment tax, and more.
9 calculators
Paycheck & Work
Convert between hourly and salaried pay, price overtime and bonuses, and see what a job actually costs on either side of the offer.
26 calculators
Home & Mortgage
Work out the real monthly cost of a house, the price your income supports, and how a mortgage balance falls.
11 calculators
Savings & Investing
See what deposits and contributions grow to over time, and what a savings goal actually requires.
13 calculators