Loan & Debt Calculators
Choose a calculator for the balance you are financing or repaying. Start with the contract terms, compare both payment size and total cost, then check whether the modeled payment fits your budget. U.S. lender and servicing terms can differ from these estimates.
Choose the right calculator
Estimate a loan or payment
Loan and Payment cover standard borrowing scenarios. Personal Loan and Student Loan include their own supported fee or repayment assumptions; check each page before comparing.
Compare vehicle financing
Auto Loan, Auto Lease and Cash Back or Low Interest answer different purchase decisions. Boat Loan and Lease provide additional financing comparisons.
Plan debt repayment
Use Credit Card for one balance, Credit Cards Payoff for multiple cards, and Debt Payoff for strategy comparisons. Debt Consolidation compares a replacement borrowing plan.
All loans & debt tools
Loans & payments
- Loan Calculator — Calculate amortized loans, deferred lump-sum loans, and zero-coupon bond values.
- Payment Calculator — Calculate payments for a fixed repayment term or the payoff time for a chosen installment.
- Personal Loan Calculator — Calculate fee-adjusted payments, loan proceeds, and annual percentage rate.
- Student Loan Calculator — Solve student loan payments, accelerated repayment, and the effect of borrowing before graduation.
- Repayment Calculator — Calculate payments for a fixed repayment term or the payoff time for a chosen installment.
Vehicles & leasing
- Auto Loan Calculator — Calculate vehicle financing or solve the purchase price that fits a monthly budget.
- Auto Lease Calculator — Calculate an auto lease payment or solve the negotiated vehicle price.
- Cash Back or Low Interest Calculator — Compare rebate savings against a promotional financing rate.
- Boat Loan Calculator — Calculate boat loan payments or a boat price from a monthly financing budget.
- Lease Calculator — Calculate lease payments or solve the implied financing rate.
Credit cards & debt strategies
- Credit Card Calculator — Calculate credit card payoff time, payment targets, and minimum-payment costs.
- Credit Cards Payoff Calculator — Create a highest-interest-first repayment plan for multiple credit cards.
- Debt Payoff Calculator — Build a multi-debt payoff schedule with recurring and one-time extra payments.
- Debt Consolidation Calculator — Compare existing debts with a fee-adjusted consolidation loan.
Understand the differences
Loan vs. APR
Loan focuses on payments and interest. APR accounts for the fees and cash-flow timing supported by its model; review official lender disclosures before choosing an offer.
Debt Payoff vs. Debt Consolidation
Debt Payoff reallocates payments among existing debts. Debt Consolidation models replacing debts with new financing, which may introduce fees or a longer term.
Monthly payment vs. total borrowing cost
A smaller payment can come from a longer repayment term. Compare fees, interest, payoff time and any collateral or guarantee obligations alongside the payment.
Common questions
Does the calculator tell me whether a lender will approve my application?
No. Approval depends on lender underwriting, credit, income, collateral and program requirements beyond the entered calculation.
Can I use the same rate for APR and interest rate?
They may differ. Interest rate determines modeled interest accrual, while disclosed APR can include certain borrowing fees. Use the input definition shown by each tool.
Which debt payoff strategy should I choose?
Compare the modeled interest and payoff dates under a payment budget you can maintain. Promotional terms, minimum-payment rules and fees may change actual results.
Related financial concepts
Review each calculator's assumptions, limitations and sources before making a decision. Calculation methodology.