Loans & Debt calculators

Which calculator do you need?

• If you're trying to price a car payment with a trade-in, use the Auto Loan Calculator.
• If you're trying to see if refinancing your car loan saves money, use the Auto Loan Refinance Calculator.
• If you're trying to check your debt-to-income ratio before applying, use the Debt-to-Income Ratio Calculator.
• If you're trying to plan the fastest way out of debt, use the Debt Payoff Calculator.
• If you're trying to see a loan's month-by-month schedule, use the Amortization Calculator.

Tools by task

Most used: Auto Loan Calculator · Loan Payment Calculator · Debt Payoff Calculator

Every loans & debt calculator

Each tool below shows the formula it uses, a worked example, and what the result means in practice.

• Mortgage CalculatorFull monthly housing payment including tax, insurance, HOA and PMI — plus an affordability mode that solves backwards to a home-price range and stretch limit.
• Loan Payment CalculatorMonthly payment, total interest, and payoff time for any amortized loan — with an optional extra payment.
• Auto Loan CalculatorCar payment from price, trade-in, tax, and fees — with the financed amount and total interest shown separately.
• Amortization CalculatorBuild a full amortization schedule for any fixed-rate loan — payment, total interest, payoff date, and the principal/interest split every year or month.
• Debt Payoff CalculatorAmortize any balance month by month to get the payoff date, total interest, and the effect of paying extra.
• Debt Payoff by Extra Payment CalculatorPayoff date, interest saved and side-by-side extra-payment scenarios — plus the reverse solve for a target debt-free date.
• Credit Card Payoff CalculatorSolve a card balance either way — payment to payoff time, or target months to the required payment.
• Negative Equity Auto Loan CalculatorSee what rolling an upside-down trade-in into a new car loan really adds to the payment, the interest and the loan-to-value.
• Debt-to-Income Ratio CalculatorFront-end and back-end DTI from income, housing and monthly debt payments.
• Simple Interest CalculatorSimple interest, total amount and yearly interest from principal, rate and time.
• Auto Loan Refinance CalculatorCompare your current car loan to a refinance: payment, interest, fees and break-even.

Common questions about loans & debt calculations

Which loan calculator should I start with?

Start with the one that matches the purchase. Mortgage for a house, Auto Loan for a vehicle, and Loan Payment for anything else amortized. If you already have the balance and want out of it faster, use Debt Payoff or Debt Payoff by Extra Payment instead.

Why is my lender's quoted payment higher than the calculated one?

A loan calculator returns principal and interest. A lender's quote often bundles escrowed property tax, insurance, mortgage insurance, and sometimes fees financed into the balance. The Mortgage Calculator adds those escrow items so the two figures line up.

Do these calculators include fees and closing costs?

No. They amortize the amount borrowed at the rate you enter. Origination points and closing costs raise your real cost of borrowing, which is why APR is usually higher than the interest rate you type in.

Does paying extra every month really help?

Yes, because every extra dollar reduces the balance that interest is charged on next month. The extra-payment tools show both the months and the interest a fixed extra amount removes, so you can size it against your budget.