Loan math without the mystery
Work out what a loan really costs before you sign. Our calculators run entirely in your browser, and every guide is written in plain English and sourced from official regulators.
The lowest rates are only available to the most qualified applicants. Checking your rate takes about two minutes and does not affect your credit score. We may be paid a commission if you apply through this link.
Free loan calculators
Enter your own numbers — we never invent rates or market data. Each tool explains exactly how the math works.
Personal Loan Calculator
Free personal loan calculator. Enter an amount, APR and term in months to see your estimated monthly payment, total interest and the total cost of the loan.
Loan Payoff Calculator
See how much time and interest an extra monthly payment saves on your loan. Enter your balance, APR and current monthly payment to compare the payoff dates.
Debt-to-Income Calculator
Check your debt-to-income ratio. Enter your gross monthly income, existing debt and a new loan payment to see your DTI against the 36% and 43% guidelines.
Auto Loan Calculator
Estimate your auto loan payment. Enter the vehicle price, down payment, trade-in, sales tax, APR and term to see your monthly payment and total interest.
Student Loan Payoff Calculator
Find out how long your student loan will take to pay off. Enter your balance, APR and payment to see payoff time, total interest and a target-term payment.
APR Calculator
Estimate the true APR on a loan. Enter the loan amount, nominal rate, upfront fees and term to see the APR that reflects all the fees you pay at closing.
Amortization Schedule Calculator
Build a month-by-month amortization schedule for a fixed-rate loan. Enter the amount, APR and term to see each payment, interest, principal and balance.
Debt Consolidation Calculator
Compare your current debt payments with one consolidation loan. Enter your balances, current APR and payments to see monthly and total interest savings.
Understand the rules where you live
Consumer lending rules differ by state — payday loan limits, rate caps and who regulates lenders. We cite the regulator for every figure.
Guides that explain the fine print
657 plain-language guides on credit, debt and borrowing — each one sourced from federal agencies and state regulators.
0 APR Loans
0 APR loans are promotional offers that can be genuinely free or quietly expensive. Learn how deferred interest, fees and credit checks change the real cost.
401k Loan to Pay Off Credit Card Debt
A 401k loan to pay off credit card debt moves the balance onto your own retirement savings. Learn the hidden risks, tax traps, and better alternatives.
500 Credit Score Loan
A 500 credit score loan usually means a secured or small-dollar product at a higher rate. Learn what may be available and how to limit the total cost.
Check your rate with a lending partner in about two minutes. Checking does not affect your credit score.
Check your rateThe lowest rates are only available to the most qualified applicants. We may be paid a commission if you apply through this link. This does not affect our calculators or guides, which are free and independent.