Mortgage and loan calculators that show you the real numbers
Every calculator on this site runs in your own browser, so your figures never leave your device. Enter your numbers once and see your monthly payment, the total interest you will pay, and a complete period-by-period schedule.
Mortgage calculators
Work out what a home really costs: the monthly payment, the full schedule, and how much extra payments or a refinance would save you.
Mortgage Payment Calculator
Enter your loan amount, rate and term to see your monthly principal and interest payment, the total interest you will pay, and what the loan costs you overall.
Amortization Schedule Calculator
See exactly where every payment goes. This produces a full period-by-period amortization table with the interest and principal split and the remaining balance.
Extra Payment Calculator
Find out what paying a little extra each month actually does to your mortgage: how many years it removes, and how much interest it saves you.
Home Affordability Calculator
Work backwards from your income to the maximum home price a lender is likely to approve, using the debt-to-income ratios that underwriting actually uses.
Down Payment Calculator
Find out how much cash you need up front, what your down payment means for mortgage insurance, and how long your savings plan will take.
Refinance Calculator
Compare your current mortgage with a refinanced one to see the monthly saving, how many months it takes to recover the closing costs, and whether it pays off.
Loan calculators
Auto, student and personal loans, with the sales tax and fees that most calculators quietly leave out.
Auto Loan Calculator
Work out your monthly car payment with sales tax, trade-in value and fees included, so the figure you see is close to what the dealer will actually quote.
Student Loan Calculator
See what your student loans will cost each month and in total, and how much faster you could clear them with a higher payment.
Personal Loan Calculator
See your monthly payment and the real cost of a personal loan once origination fees are included, so competing offers can be compared fairly.
Debt and savings calculators
Compare payoff strategies, see what a credit card balance is really costing you, and project what regular investing could grow into.
Debt Payoff Calculator
Enter what you owe and what you can pay, and see how long the debt takes to clear, what it costs in interest, and what happens if you pay more.
Credit Card Payoff Calculator
See how many months your credit card balance will take to clear at different payment amounts, and how much of your money goes to interest rather than principal.
Compound Interest Calculator
Project what a lump sum and regular contributions could grow into, and see how much of the final balance comes from growth rather than from your own money.
Why these calculators are different
Your numbers stay on your device
Every calculation happens in your browser. We never transmit, store or sell the amounts you type, and no account is needed.
One formula, tested once
Each formula is implemented a single time and covered by an automated test suite, with reference cases checked against published figures. You can read exactly what we do on the methodology page.
The full picture, not just the payment
A monthly payment on its own tells you almost nothing. We show total interest, true cost of borrowing, payoff dates and the complete amortization table.
Runs on anything, instantly
No frameworks, no tracking scripts blocking the page, no cookie wall. Pages load in well under a second on a phone with a poor connection.