Loan calculators take the guesswork out of borrowing by translating interest rates and repayment terms into concrete monthly figures. Whether you are checking your Debt-to-Income (DTI) Ratio before applying, sizing a mortgage with the Loan-to-Value (LTV) Ratio Calculator, mapping out a Student Loan Repayment schedule, or comparing Home Equity Loan options, every major borrowing scenario is covered.
Browse the most-used tools at the top of the list or open the Trending tab to see what other borrowers are modelling right now. All calculators are free, require no sign-up, and work on any device.
- Tax Calculator
- Loan Calculator
- Interest Calculator
- Margin Calculator
- Salary Calculator
- Savings Calculator
- Payment Calculator
- Income Calculator
- Inflation Calculator
- Credit Card Calculator
- Deposit Calculator
-
Loan Payment After Down Payment CalculatorCalculate your monthly loan payment after subtracting a down payment. Enter price, down payment, interest rate, and term to see payment and total interest.
-
Capital Recovery Factor CalculatorCompute the capital recovery factor (CRF) from interest rate and term, convert a present value into the equal annual payment, and view a year-by-year CRF table.
-
28/36 Rule CalculatorUse the 28/36 rule calculator to find your maximum affordable monthly housing payment and total debt limit based on your gross monthly income.
-
Mortgage Recast CalculatorCalculate your new monthly mortgage payment after a lump-sum recast. Enter balance, lump sum, rate and remaining term to see your monthly savings.
-
ACB Home/Mortgage Loan CalculatorEstimate your monthly mortgage payment, total interest, and total cost from loan amount, annual interest rate, and term in years.
-
Number of Payments (NPER) CalculatorCalculate how many payments (NPER) it takes to pay off a loan from the present value, fixed payment amount, and interest rate. Free online tool.
-
Car Lease Payment CalculatorEstimate your monthly car lease payment from cap cost, residual value, money factor and term. Breaks out depreciation, finance fee and tax (US method).
-
Loan Repayment Schedule CalculatorCalculate loan repayments and a full amortization schedule. Supports equal-total and equal-principal methods, grace periods, and rate changes.
-
Mortgage Interest Deduction Tax Savings CalculatorUS calculator: estimate the federal income-tax savings from deducting home mortgage interest, applying the $750k/$1M debt cap and your marginal tax rate.
-
Rent or Buy CalculatorCompare the true cost of renting vs buying a home over your time horizon — mortgage, taxes, maintenance, equity and appreciation included.
-
Personal Loan CalculatorCalculate your personal loan monthly payment, total interest, and total cost from the loan amount, annual interest rate, and term in years.
-
Debt Snowball CalculatorFree debt snowball calculator. Pay off debts smallest-balance-first, roll payments forward, and see your debt-free date, payoff time, and total interest.
-
Discount Factor (Present Value of $1) Table CreatorCalculate your fixed monthly mortgage payment, total interest, and full amortization breakdown from loan amount, interest rate, and term.
-
Debt-to-Income (DTI) Ratio CalculatorCalculate your debt-to-income (DTI) ratio instantly. Enter your monthly debt payments and gross income to see the percentage lenders use to assess you.
-
Mortgage Points CalculatorCalculate the cost of mortgage discount points, your monthly savings, and the break-even point in months for US fixed-rate mortgages.
-
Mortgage Refinance CalculatorCompare your current mortgage to a refinance. Calculate new monthly payment, monthly savings, and the break-even point on closing costs.
-
APR Calculator (Loan with Fees)Estimate a loan's APR by folding upfront fees and total interest into one annual percentage rate. Free, fast, simplified add-on APR calculator.
-
Loan-to-Value (LTV) Percentage CalculatorCalculate your loan-to-value (LTV) ratio instantly. Enter your loan amount and property value to find the LTV percentage and your home equity.
-
Debt-Free Date CalculatorFind out when you'll be debt-free. Enter your balance, interest rate, and monthly payment to see months to payoff, your payoff date, and total interest.
-
Mortgage Closing Cost CalculatorEstimate mortgage closing costs and total cash needed at closing from home price, down payment, and a 2-5% closing cost rate (US).
-
Loan Amortization Schedule CalculatorCalculate your monthly loan payment, total interest, and amortization summary from loan amount, interest rate, and term in seconds.
-
Home Loan Eligibility CalculatorEstimate your maximum home loan amount from your monthly income, existing EMIs, FOIR, interest rate and tenure. Free FOIR-based eligibility calculator.
-
Loan Term CalculatorFind out how many months and years it takes to pay off a loan from your monthly payment, loan amount, and interest rate. Free loan term calculator.
-
ACB Car Loan CalculatorCalculate your ACB car loan monthly EMI, total interest, and total repayment using loan amount, annual interest rate, and term in years.
Frequently asked questions
What loan types and scenarios can I model here?
You can run the numbers on home mortgages, home equity loans, student loan repayment timelines, and general loan interest costs. Supporting tools like the DTI Ratio and LTV Ratio calculators help you gauge borrowing eligibility and risk before you ever speak to a lender.
How accurate are the loan calculations?
All tools use standard amortisation and ratio formulas consistent with those used by lenders. Results are reliable estimates for planning purposes. These calculators are not financial advice — for a binding quote or any major borrowing decision, consult a qualified financial professional or licensed lender.
Is there any cost or registration required?
None. Every calculator here is completely free — no account, no email address, no subscription. Open any tool, enter your loan details, and get instant results on any device.
Do you save or share the financial details I enter?
No. Every calculation runs in your browser only. Loan amounts, interest rates, and personal income figures are never stored on our servers or shared with any third party.
Which loan calculators are most popular?
The list defaults to most-used order, placing the tools borrowers reach for most — typically the Mortgage Calculator and Student Loan Repayment Calculator — at the top. Switch to the Trending tab to see which tools are spiking in real time.
