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
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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.
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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.
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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).
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Student Loan Payoff CalculatorCalculate your student loan monthly payment, total interest, and payoff cost from balance, interest rate, and repayment term. Free amortization tool.
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Business Loan EMI CalculatorCalculate your business loan EMI, total interest, and total repayment. Enter loan amount, interest rate, and term to get the monthly payment instantly.
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How Much Can I Borrow From a Monthly Payment?Find out how much you can borrow based on a monthly payment, interest rate, and term. Reverse loan calculator using present value of an annuity.
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Monthly Payment to Loan Amount CalculatorFind out how much you can borrow from a monthly payment. Enter your payment, APR, and term to get the loan amount, total paid, and total interest.
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Monthly Payment from APR CalculatorCalculate your fixed monthly loan payment from the loan amount, APR, and term in months. See total interest and total of payments instantly.
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Maximum Loan from Disposable Income CalculatorFind the largest loan you can afford from your monthly disposable income. Set a repayment share, interest rate and term to get your maximum borrowable principal.
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Available Home Equity to Borrow CalculatorEstimate how much home equity you can borrow. Enter home value, mortgage balance and max CLTV to see your available equity and current LTV.
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Effective Annual Rate (EAR) CalculatorConvert a nominal APR into the effective annual rate (EAR) using EAR = (1 + APR/m)^m − 1. Compare monthly, daily, quarterly compounding instantly.
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Simple Interest Loan Payoff CalculatorCalculate the total payoff amount on a simple-interest loan. Enter your principal, annual rate, and days to see accrued interest and what you owe.
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ACB Mortgage Affordability CalculatorEstimate the maximum home price and mortgage loan you can afford from your income, debts, DTI ratio, interest rate, term and down payment.
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ACB Loan Tenure CalculatorCalculate how many months it takes to repay a loan from principal, monthly EMI and annual interest rate using the amortization tenure formula.
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Debt Snowball Payoff Time CalculatorCalculate how many months and years it takes to pay off a debt given balance, APR, and fixed monthly payment, plus total interest paid.
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VinFast Lease vs Buy CalculatorCompare the total cost of leasing vs buying a VinFast EV. Enter monthly payments, down payments, term and resale value to see which option saves more.
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Interest vs Principal Payment Split CalculatorSplit a single loan payment into interest and principal. Enter your balance, rate, and payment to see exactly how much reduces your debt.
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Loan Comparison by Monthly Payment CalculatorCompare two loan offers by monthly payment, total interest, and total cost including fees. See which loan is cheaper and how much you save.
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Loan Total Interest Calculator (Amortized)Calculate the total interest paid on an amortized loan from the amount, annual rate, and term. Also shows monthly payment and total of payments.
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Mortgage Discount Points Break-Even CalculatorFind how many months it takes to recoup the cost of mortgage discount points. Compare rates, see monthly savings, and decide if buying points pays off.
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First-Time Home Buyer Monthly Payment CalculatorEstimate your first home's full monthly payment — principal, interest, property tax, insurance and PMI — with this free first-time buyer mortgage calculator.
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Auto Loan Payment Including Sales Tax & Fees CalculatorCalculate your monthly auto loan payment including sales tax, fees, down payment and trade-in. See principal financed, total interest and total cost.
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Loan Prequalification CalculatorEstimate how much loan you may prequalify for based on your income, existing debts, debt-to-income ratio, interest rate, and term.
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Affordable Loan from Monthly Budget CalculatorFind out how much you can borrow based on your monthly payment budget, interest rate, and loan term. Reverse loan calculator with total interest breakdown.
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.
