401(k) Loan Calculator
Calculate 401(k) loan repayment, interest paid back to yourself, and the opportunity cost of lost market returns. See the true cost of borrowing from retirement.
Free Loans Calculators
68 toolsLoan payment, APR, and debt payoff calculators. Browse our free loans tools below — no sign-up required.
Amortization Calculator
Calculate loan amortization schedules showing monthly payment breakdown of principal, interest, extra payments, and remaining balance over time.
APR Calculator
Calculate the Annual Percentage Rate (APR) for any loan including fees, points, and closing costs to reveal the true cost of borrowing.
APR vs APY Calculator
Convert between APR and APY. Understand how compounding frequency affects interest rates on loans and savings.
APY Calculator
Calculate Annual Percentage Yield (APY) from nominal interest rate and compounding frequency. Compare savings growth across compounding periods.
ARM Mortgage Calculator
Calculate adjustable-rate mortgage payments for fixed and adjusted periods. Compare ARM vs fixed-rate scenarios with rate caps and payment projections.
Auto Lease vs Buy Calculator
Compare the total cost of leasing vs buying a vehicle over the same period. See monthly payments, total cost, and which option saves you more money.
Auto Loan Calculator
Calculate auto loan payments including vehicle price, down payment, trade-in value, sales tax, and fees. See total cost of ownership over the loan term.
Balloon Payment Calculator
Calculate balloon payments on loans with shorter terms than amortization periods. See the lump sum due, interest paid, and compare different balloon terms.
Bi-Weekly Mortgage Payment Calculator
Calculate bi-weekly mortgage payments and see how much interest and time you save compared to monthly payments. Includes escrow, year-by-year balance comparison.
Boat Loan Calculator
Calculate boat loan payments, total ownership cost including insurance, storage, and maintenance. See depreciation, equity, and term comparisons.
Break-Even Refinance Calculator
Calculate exactly when refinancing pays for itself. Find the break-even month where cumulative savings exceed closing costs for any loan refinance.
Business Loan Calculator
Calculate business loan payments, total cost, DSCR, and affordability. Compare SBA, term, equipment, and line of credit options.
Buy Here Pay Here Auto Loan Calculator
Calculate the true cost of buy here pay here dealer financing vs traditional auto loans. See how high interest rates and inflated prices increase total cost.
Car Loan EMI Calculator
Calculate car loan EMI (Equated Monthly Installment) with principal, interest breakdown, processing fees, and term comparison. Supports INR and USD.
Carried Interest Calculator
Calculate carried interest (carry) for private equity, venture capital, and hedge funds. Model GP/LP distributions with hurdle rates, catch-up, and waterfall structures.
Cash Flow to Debt Ratio Calculator
Calculate cash flow to debt ratio, free cash flow to debt, DSCR, and implied credit rating. Includes sensitivity analysis and rating benchmarks.
Cash-Out Refinance Calculator
Calculate cash-out refinance proceeds, new payment, LTV, and compare costs against your current mortgage. See PMI thresholds and scenario analysis.
Compound Interest on Loans Calculator
See how compounding frequency affects loan costs. Calculate compound interest for any loan with daily, monthly, quarterly, or annual compounding.
Cosigner Impact Calculator
Compare loan terms with and without a cosigner. See how a cosigner's higher credit score can lower your interest rate, reduce payments, and save thousands.
Coupon Payment Calculator
Calculate bond coupon payments, current yield, yield to maturity, and after-tax income. View payment schedule and income breakdown.
Credit Spread Calculator
Calculate credit spread in basis points, implied default probability, DV01, and price sensitivity. Compare against rating benchmarks.
Debt Calculator
Calculate total debt payoff time, interest costs, and savings with extra payments. Compare avalanche vs snowball strategies for multiple debts.
Debt Payoff Calculator
Calculate debt payoff time with extra payments, total interest cost, and required payment for a goal date. Compare extra payment scenarios.
Debt-to-Capital Ratio Calculator
Calculate debt-to-capital, debt-to-equity, LT debt-to-capital, and interest coverage ratios. Compare against industry benchmarks.
Economic Injury Disaster Loan (EIDL) Calculator
Model SBA EIDL repayment for existing loans. Estimate monthly payments, deferment impact, and long-term cost for existing EIDL scenarios.
Extra Payment Impact Calculator
See how extra loan payments save thousands in interest and shorten your payoff date. Compare monthly, annual, and one-time extra payment strategies.
HELOC Calculator
Calculate HELOC interest-only and repayment payments, maximum borrowing capacity, CLTV, total interest cost, and rate sensitivity analysis.
Home Improvement Loan Calculator
Calculate home improvement loan payments, total cost, and ROI analysis. Compare loan terms and see project value added vs interest cost.
Home Loan Calculator
Calculate home loan payments including P&I, tax, insurance, PMI, and HOA. Compare down payment scenarios and view annual amortization schedules.
Home Loan EMI Calculator
Calculate home loan EMI (Equated Monthly Installment), total interest, prepayment savings, and year-by-year amortization. Use it for general planning in INR or USD.
Home Mortgage Calculator
Calculate mortgage payments for Conventional, FHA, VA, and Jumbo loans. Compare loan types, view equity timeline, and analyze term options.
Installment Loan Calculator
Calculate monthly payments, total interest, and a full amortization schedule for any fixed installment loan. Works for personal, auto, student, and other loan types.
Interest Coverage Ratio Calculator
Calculate interest coverage ratio (ICR), EBITDA coverage, fixed charge coverage, and implied credit rating. Includes EBIT sensitivity analysis.
Interest Rate Converter
Convert between nominal, effective, APR, APY, periodic, and continuous interest rates. Supports any compounding frequency for loans and investments.
Line of Credit Payment Calculator
Calculate monthly payments on a line of credit with interest-only or amortizing repayment. Model variable draws and balances for HELOC, business LOC, or personal lines.
Loan Amortization Generator
Generate a full period-by-period amortization schedule for any loan. See payment, principal, interest, and remaining balance for monthly, biweekly, or weekly payments.
Loan Balance Calculator
Calculate remaining loan balance at any point in time. See equity progress, payoff acceleration with extra payments, and payment history breakdown.
Loan Calculator
Calculate loan payments for any amount, rate, and term. Supports monthly, bi-weekly, and weekly frequencies. Includes origination fees, extra payments, and amortization.
Loan Comparison Calculator
Compare up to 4 loan offers side by side on APR, monthly payment, total interest, and total cost. Find the cheapest loan with this free comparison tool.
Loan Origination Fee Impact Calculator
Calculate the true cost of your loan after origination fees. See your effective APR and how much fees add to the total borrowing cost over the loan term.
Loan Payment Calculator
Calculate monthly payments, total interest, and payoff schedule for any fixed-rate loan — personal, auto, student, or business. Compare loan terms and see amortization details.
Loan Payoff Date Calculator
Find out exactly when your loan will be paid off. Enter your balance, rate, and payment to calculate your payoff date and total interest paid.
Loan Refinance Savings Calculator
Compare remaining cost of your current loan vs refinancing. Calculate net savings, break-even month, and total cost including closing fees for any loan type.
Margin Loan Calculator
Calculate margin loan interest, maintenance margin requirements, and margin call trigger prices. Understand the risks and costs of borrowing on margin.
Mortgage Acceleration Calculator
Calculate how extra payments, bi-weekly schedules, and lump sums accelerate mortgage payoff. Compare strategies and see interest saved.
Mortgage Amortization Calculator
Generate complete mortgage amortization schedules — annual or monthly. See principal vs interest breakdown, crossover point, and cumulative interest over time.
Mortgage Extra Payments Calculator
Calculate exact savings from extra mortgage payments — monthly, bi-weekly, quarterly, or annually. Compare scenarios and see ROI on prepayment.
Mortgage Penalty Calculator
Calculate mortgage prepayment penalties — percentage, months of interest, or flat fee. Includes break-even analysis and refinance comparison.
Mortgage Prepayment Calculator
Calculate mortgage prepayment savings from lump sums and recurring extra payments. See timing impact, lump-sum scenarios, and balance projection.
Net Debt Calculator
Calculate net debt, net debt-to-EBITDA, enterprise value, and leverage health. Includes EBITDA sensitivity analysis and cash reserve impact table.
Pag-IBIG Housing Loan Calculator
Estimate Pag-IBIG housing loan payments using salary and term assumptions. Use it as a planning aid, then confirm the current rate table and loan limits with Pag-IBIG.
Partially Amortized Loan Calculator
Calculate partially amortized loan payments and balloon balance. Compare balloon dates, see amortization progress, and evaluate refinancing needs.
Payday Loan Cost Calculator
See the true annual cost of payday loans. Calculate the annualized APR, total fees, and compare payday loan costs to alternatives like personal loans or credit cards.
Peer-to-Peer Lending Return Calculator
Calculate expected returns from P2P lending investments by risk grade. Model default rates, platform fees, and net yields across loan portfolios.
Personal Loan Calculator
Calculate personal loan payments, total interest, and total cost. Compare terms from 12–84 months with optional origination fee impact on true cost.
Post-Judgment Interest Calculator
Estimate post-judgment interest on court awards. Compare simple vs compound math, daily accrual, and jurisdiction-sensitive payoff scenarios.
Refinance Calculator
Calculate mortgage refinance savings, break-even point, and lifetime cost comparison. Includes rate sensitivity, cash-out analysis, and balance projection.
RV Loan Calculator
Calculate RV loan payments, depreciation, and equity timeline. Compare terms, see total ownership cost, and track when you emerge from underwater status.
Secured vs Unsecured Loan Calculator
Compare secured and unsecured loan costs side by side. See how collateral affects interest rates, monthly payments, and total cost of borrowing.
Simple Interest Calculator
Calculate simple interest on loans or investments. Enter principal, rate, and time to find interest earned or owed plus the total amount.
Stimulus Payment Calculator
Review the historical U.S. stimulus payment rounds (EIP1-3). Compare phaseouts, dependent amounts, and Recovery Rebate Credit context.
Student Loan Calculator
Calculate student loan payments for federal and private loans. Includes grace period, capitalized interest, and total repayment cost over 10–25 year terms.
Student Loan Forgiveness Estimator
Estimate federal student loan forgiveness under PSLF, a PAYE-style 20-year path, and an IBR-style 25-year path. Model remaining balance, optional state-tax exposure, and total cost.
Student Loan Repayment Plan Comparison
Compare common federal student loan repayment plans: Standard, Graduated, Extended, PAYE-style, and IBR-style. Estimate monthly payment, total paid, and remaining balance at forgiveness.
TDS Interest Calculator
Estimate TDS (Tax Deducted at Source) on common payment types, late-deposit interest, and penalty scenarios. Confirm the applicable section, threshold, and year before filing.
Times Interest Earned Ratio Calculator
Calculate TIE ratio, EBITDA coverage, fixed charge coverage, and implied credit rating. Includes EBIT sensitivity and interest burden scenario analysis.
Total Cost of Borrowing Calculator
Calculate the true total cost of any loan including interest, origination fees, closing costs, and all charges. See the real price of borrowing beyond the interest rate.