Loans & Debt calculators
Mortgage, auto, student, personal, and credit-card loan math. Amortization schedules, refinance trade-offs, payoff strategies, and the rules each loan type plays by.
All loans & debt tools
33 tools, each runs locally in your browser. Click any card to open it.
Compare the true cost of a BNPL 4-pay plan (Affirm, Klarna) versus using a credit card. Calculate hidden fees, effecti…
15 year vs 30 year mortgage, 15 vs 30 year mortgage, 30 year mortgage vs 15 year, mortgage comparison, shorter mortgag…
401(k) Loan Calculator computes monthly payment, total interest, opportunity cost from 401(k) balance, loan amount, in…
Amortization Schedule computes month-by-month interest vs principal split, payoff date from loan amount, rate, term. R…
ARM vs Fixed Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. …
Australian Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Ru…
Balance Transfer Calculator computes total saved versus current card from balance, transfer fee, intro APR, intro leng…
Bridge Loan Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs entir…
Canadian Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs…
Cash-Out Refinance Calculator computes break-even months, monthly savings, lifetime savings from current balance, curr…
2-5% of home price. Lender + title + escrow + taxes + insurance.
Min payment = lifetime debt. $5K @ 24% APR @ min = 30+ years payoff.
Credit Card Payoff Calculator computes months to payoff, total interest from balance, APR, minimum or fixed payment. R…
Hard Money Loan Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs e…
HELOC Calculator computes available credit, interest cost from home value, mortgage balance, line amount, rate. Runs e…
Home Equity Calculator takes home price, down payment, rate, term, taxes and returns the matching home equity result. …
Home Loan EMI Calculator computes EMI, total interest paid, payment schedule from loan amount, annual interest rate, t…
Interest-Only Loan Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Run…
Loan Prepayment Calculator computes monthly payment, total interest paid from loan amount, interest rate, term. Runs e…
Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs entirely…
Mortgage Calculator (Baufinanzierung) computes monthly payment, total interest, amortization from loan amount, rate, t…
Mortgage Payment Calculator (PITI) computes monthly PITI, total interest, payoff date from home price, down payment, r…
Piggyback Loan (80-10-10) Calculator computes monthly payment, total interest paid from loan amount, interest rate, te…
Down 20%? Skip PMI. Under 20%? Pay 0.3-1.5% of loan annually.
Reverse Mortgage Calculator computes monthly payment, total interest, amortization from loan amount, rate, term. Runs …
Student Loan IDR Calculator computes monthly payment, forgiveness amount, total paid from income, family size, loan ba…
Student Loan Refinance computes break-even months, monthly savings, lifetime savings from current balance, current rat…
US Student Loan Repayment Calculator computes monthly payment, total interest, payoff date from loan balance, rate, te…
UK Mortgage Affordability Calculator 2026 (4.5x LTI) computes maximum home price you can afford from income, debts, do…
US mortgage pre-qualification 2026, DTI 43%, FHA 3.5 down, VA loan, conforming loan limit $815K us mortgage pre-qualif…
15-year vs 30-year mortgage 2026, opportunity cost, mortgage interest deduction, break-even market return 15-year vs 3…
The Home Buyers Plan lets Canadian first-time buyers withdraw up to 60,000 CAD from their RRSP tax-free for a home pur…
Calculate Canadian mortgage payments accounting for the federal stress test (qualifying rate of contract rate +2% or 5…