Loans & vehicles calculators
Compare borrowing costs, plan debt payments and estimate the cost of financing a car or education.
Before you begin
- Compare total interest as well as the monthly payment for each loan term.
- Keep fees, insurance and taxes separate from principal and interest.
- Check whether extra payments reduce principal and whether your lender charges an early repayment fee.
Choose your calculator
Auto Loan Calculator
See monthly auto payment and review amount financed and total interest using values you enter.
CalculatorLoan payment calculator
Find a fixed monthly loan payment, total interest, and the full repayment amount.
CalculatorPersonal Loan Calculator
See monthly loan payment and review net proceeds after upfront fee and total interest using values you enter.
CalculatorDebt Payoff Calculator
See months until debt-free and review total interest and total repaid using values you enter.
CalculatorCredit Card Interest Calculator
See estimated payoff months and review total interest and first month interest using values you enter.
CalculatorCar Payment Calculator
See monthly car payment and review amount financed and total interest using values you enter.
CalculatorCar Affordability Calculator
See estimated affordable vehicle price and review monthly loan budget and affordable amount financed using values you enter.
CalculatorCar Lease Calculator
See estimated monthly lease payment and review monthly depreciation and monthly finance charge using values you enter.
CalculatorLease Vs Buy Calculator
See estimated buy cost minus lease cost and review lease cash cost and buy net cost using values you enter.
CalculatorStudent Loan Calculator
See monthly student loan payment and review estimated payoff months and total interest using values you enter.
CalculatorLoan Calculator
Loan: Fixed rate, chosen compounding and payment frequency.
CalculatorPayment Calculator
Payment: Monthly fixed-rate loan with no fees or new borrowing.
CalculatorAmortization Calculator
Amortization: Fixed monthly loan and an immediate lump-sum reduction.
CalculatorRepayment Calculator
Repayment: Fixed monthly loan and an immediate lump-sum reduction.
CalculatorBusiness Loan Calculator
Business Loan: Fixed-rate borrowing with explicit fees and compounding.
CalculatorBoat Loan Calculator
Boat Loan: Fixed-rate borrowing with explicit fees and compounding.
CalculatorAPR Calculator
APR: Cash-flow APR estimate for regular payments; jurisdiction-specific fee definitions, odd first periods and statutory rounding are excluded..
CalculatorInterest Rate Calculator
Interest Rate: Nonnegative fixed-rate loans with monthly payments and no fees..
CalculatorDebt-to-Income Ratio Calculator
Debt-to-Income Ratio: Shows housing and total debt ratios; lender limits and qualification are not inferred..
CalculatorAuto Lease Calculator
Auto Lease: Standard money-factor lease estimate; entered monthly tax is added to the payment.
CalculatorCash Back or Low Interest Calculator
Cash Back or Low Interest: Same term and down payment for both options; no tax differences or early payoff..
CalculatorDebt Consolidation Calculator
Debt Consolidation: Fixed payments, no new charges and fees financed in the new loan.
CalculatorCredit Card Calculator
Credit Card: Fixed monthly budget; paid-off card payments roll into remaining cards.
CalculatorCredit Cards Payoff Calculator
Credit Cards Payoff: Fixed monthly budget; paid-off card payments roll into remaining cards.
Understand the calculation
How monthly loan payments are calculated
See the fixed-rate loan payment formula, a zero-interest example, and the difference between principal, interest and the full monthly bill.
guideShorter vs longer loan terms: compare the full cost
Compare monthly payments and total interest for different loan lengths, with editable comparison tools and clear assumptions.
comparison15-year vs 30-year loan comparison
Compare 15-year and 30-year fixed-rate loans with editable principal and separate rates. See monthly payments, total repayment and interest side by side.
comparison10-year vs 20-year loan comparison
Compare 10-year and 20-year fixed-rate loans with editable principal and separate rates. See monthly payments, total repayment and interest side by side.
comparison20-year vs 30-year loan comparison
Compare 20-year and 30-year fixed-rate loans with editable principal and separate rates. See monthly payments, total repayment and interest side by side.