Whether you are financing a car, comparison shopping for a personal loan, evaluating student loan repayment strategies, or mapping out a debt payoff plan, our loan calculators give you accurate, real-time results. Compare different loan scenarios side by side, model extra payment strategies using the avalanche or snowball method, calculate HELOC payments and credit limits, and see exactly how long it will take to become debt-free. Every calculator uses standard amortization formulas and transparent assumptions so you can trust the numbers and make confident borrowing decisions.
8 free tools for every type of loan and debt strategy
Calculate monthly car payments with trade-in, down payment, and rate comparison
Estimate personal loan payments and total interest for any loan amount and term
Model repayment scenarios including deferment, income-driven plans, and forgiveness
Calculate your home equity line of credit limit, draw period payments, and repayment costs
Compare avalanche vs snowball strategies and see your personalized payoff timeline
Compare two loan offers side by side to find the better deal
Compare your current mortgage terms to new refinance offers
Estimate payments on a personal line of credit vs other revolving credit options
Pay off highest-interest debt first. Mathematically optimal — saves the most money. You pay minimums on everything else and throw every extra dollar at the highest-rate debt.
Best for: Mathematically-minded people with high-interest debt
Pay off smallest balance first. Quick wins build momentum and motivation to keep going. May cost more in total interest but the psychological boost helps many people stay consistent.
Best for: People who need visible progress to stay motivated