Loans & Debt Calculators
Personal, student and business loans, credit-card payoff, debt consolidation and the ratios lenders use to size what you can borrow.
Hover (or focus) any calculator to see what it does, then tap to open it and run the numbers.
Loan CalculatorPayment, total interest and schedule for amortized, deferred or interest-only loansPersonal Loan CalculatorTrue APR after origination fees and the net cash you actually receivePayment CalculatorSolve a monthly payment from a term, or the payoff time from a fixed paymentStudent Loan CalculatorMonthly payment, payoff date and interest, with in-school capitalization and extra paymentsBusiness Loan CalculatorFee-inclusive true APR, interest-only or balloon terms, and factor-rate to APRAPR CalculatorFold fees and points into a loan's true APR and compare two offersCredit Card CalculatorMonths to payoff and the cost of the minimum-payment trap vs a fixed paymentCredit Cards Payoff CalculatorCombined payoff timeline across multiple cards, avalanche vs snowballDebt Payoff CalculatorCompare avalanche and snowball side by side and see your exact debt-free dateDebt Consolidation CalculatorBlend your debts into one loan and see the real savings, true APR and fee break-evenDebt-to-Income Ratio CalculatorFront-end and back-end DTI on a color-coded gauge with lender limits markedBNPL vs. Pay-in-Full CalculatorThe true cost and effective APR a 0% pay-in-4 plan really carries
Learn the concepts
New to loans & debt? Our guide walks through the formulas, the terms and the trade-offs in plain English.
Read the Loans & Debt guide →