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Loan & Mortgage Calculators
Payments, amortization, refinancing, affordability and payoff calculators for mortgages, car loans, student loans and credit cards. 84 free tools that run in your browser, no sign-up needed.
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Mortgage CalculatorMonthly mortgage payment with taxes, insurance, PMI and HOA, plus a yearly amortization schedule.PMI CalculatorMonthly PMI, loan-to-value and the month PMI drops off at 80% or 78% LTV.Loan CalculatorMonthly payments and amortization for loans and mortgages.Mortgage Refinance CalculatorCompare your current and new mortgage, break-even month and savings.Extra Mortgage Payment CalculatorSee how extra payments cut your mortgage term and interest.Rent vs Buy CalculatorCompare the long-run cost of renting versus buying a home.Car Loan CalculatorMonthly car payment with down payment, trade-in, APR and amortization.Mortgage Affordability CalculatorHow much house you can afford from income, debts and DTI limits.Debt Payoff CalculatorCompare debt snowball vs avalanche: payoff date and interest saved.APR CalculatorFind a loan's true APR including fees, the monthly payment and APR to APY conversions.Personal Loan CalculatorMonthly payment, total cost and true APR of a personal loan, including the origination fee.Amortization CalculatorMonth-by-month loan amortization schedule with yearly totals and an extra payment option.Student Loan CalculatorFind your student loan payment, total interest and how extra payments shorten payoff.Car Lease CalculatorCalculate a monthly car lease payment with depreciation, finance fee, residual and tax.Down Payment CalculatorSee your home down payment, loan, monthly payment, PMI and how long it takes to save.Debt-to-Income Ratio CalculatorCalculate front-end and back-end debt-to-income ratio and compare with lender limits.HELOC CalculatorAvailable home equity credit line plus interest-only and repayment-period HELOC payments.Mortgage Payoff CalculatorNew payoff date, time saved and interest saved with extra or lump-sum mortgage payments.Biweekly Mortgage CalculatorCompare monthly and biweekly mortgage payments: interest saved, years saved and payoff date.Mortgage Points CalculatorIs buying discount points worth it? Cost, monthly savings, break-even month and net savings.Closing Cost CalculatorEstimate itemized closing costs, prepaids and total cash to close for a home purchase.Rent Affordability CalculatorHow much rent you can afford with the 30% rule, the 40x income rule and your debts.Loan Comparison CalculatorCompare up to three loans: monthly payment, total interest, fees, total cost and APR.Balloon Payment CalculatorMonthly payment and lump-sum balloon due on an amortizing or interest-only loan.Business Loan CalculatorBusiness loan payments (monthly, weekly or daily), total cost and effective APR with fees.Loan-to-Value CalculatorLTV, CLTV and HCLTV ratios, home equity, and the pay-down needed to drop PMI.Credit Card Payoff CalculatorSee when your card is paid off, the interest you pay, and how it compares with the minimum.Debt Snowball CalculatorPlan payoff of several debts: snowball vs. avalanche order, debt-free date and interest saved.Car Affordability CalculatorSee how much car you can afford with the 20/4/10 rule or your monthly budget.Sleep Debt CalculatorFind your weekly sleep debt from hours slept per night and get a simple recovery plan.15 vs 30 Year Mortgage CalculatorCompare 15- and 30-year mortgages: payment, total interest and equity built side by side.Adjustable Rate Mortgage CalculatorARM payments after each rate reset, worst case under the caps, and interest vs a fixed loan.Balance Transfer CalculatorInterest saved by a 0% balance transfer, balance left at promo end and payoff time.Boat Loan CalculatorMonthly boat payment with down payment, trade-in, tax and fees, plus a yearly amortization table.Cash Out Refinance CalculatorMax cash out at your lender's LTV limit, the new loan and payment, and the break-even point.Construction Loan CalculatorDraw schedule, interest-only payments during the build and the permanent loan payment.Credit Card Minimum Payment CalculatorHow long minimum payments take to clear a card, total interest and the full schedule.Credit Card Processing Fee CalculatorCard processing fees, your net, and the surcharged price that keeps the full sale.Debt Avalanche CalculatorPay off debts highest APR first: payoff dates, total interest and savings vs snowball.Debt Consolidation CalculatorCompare your debts with a consolidation loan: payment, interest, fees and net savings.FHA Loan CalculatorFHA monthly payment with upfront and annual MIP, taxes and insurance, plus amortization.Home Equity Loan CalculatorHow much equity you can borrow at a combined LTV limit, your fixed payment and total interest.How Much Can I Borrow CalculatorMaximum loan amount from an affordable payment, or from income and a DTI limit.Interest Only Loan CalculatorInterest-only payment, the payment after the IO period and total interest vs amortizing.Loan Term CalculatorHow many months to pay off a loan at your payment, the payoff date and total interest.Mortgage Recast CalculatorNew payment after a lump-sum recast, monthly savings and interest vs prepaying instead.Motorcycle Loan CalculatorMonthly motorcycle payment with trade-in, tax and dealer fees, plus a month-by-month schedule.Remaining Loan Balance CalculatorPrincipal left on a loan after any number of payments, plus interest paid so far.RV Loan CalculatorMonthly RV and camper loan payment, total interest and how much extra payments save.VA Loan CalculatorVA mortgage payment with the funding fee for first or subsequent use, plus amortization.Auto Loan Refinance CalculatorCompare your current car loan with a refinance: monthly savings, interest saved, break-even.BRRRR CalculatorBuy, rehab, rent, refinance, repeat: cash left in the deal, cash flow and cash-on-cash return.Credit Card Rewards CalculatorCompare cash back or points value by spending category after annual fees for two cards.401(k) Loan Calculator401(k) loan payment, maximum you can borrow, interest paid to yourself and lost growth.Home Equity CalculatorHow much equity you have, your LTV and CLTV, and what you could borrow at 80/85/90% CLTV.Income-Driven Repayment CalculatorEstimate your federal student loan IDR payment (IBR, PAYE, ICR, RAP) and forgiveness date.Mortgage Rate Buydown Calculator2-1, 3-2-1 and permanent buydowns: payment by year, buydown cost and break-even month.Reverse Mortgage CalculatorEstimate HECM reverse mortgage proceeds from home value, age and rate, after payoff and costs.Student Loan Refinance CalculatorCompare your student loans with a refinanced rate and term: payment, interest and savings.Bridge Loan CalculatorBridge loan size from home equity, fees, interest-only payments and cash for your next home.Buy Now Pay Later CalculatorTrue cost of pay-in-4 and financed BNPL plans with interest, fees, late fees and APR.True Cost of Homeownership CalculatorReal monthly cost of owning a home: mortgage, tax, insurance, HOA, upkeep and lost returns.Debt Settlement CalculatorNet savings from settling debt after fees, added interest and tax on forgiven debt.Equipment Loan CalculatorEquipment financing payment with down payment, balloon, total interest and Section 179 savings.Hard Money Loan CalculatorFix-and-flip loan size from LTC and ARV, points, interest-only payment and total finance cost.Land Loan CalculatorMonthly payment, balloon and schedule for raw, unimproved or improved land.Equipment Lease vs Buy CalculatorCompare leasing vs buying equipment after tax: payments, depreciation, resale and NPV.Merchant Cash Advance CalculatorTurn an MCA factor rate and holdback into total payback, term and true APR.Pay Off Mortgage or Invest CalculatorExtra principal or invest it? Interest saved vs portfolio growth after tax, year by year.Pay Off Debt or Invest CalculatorExtra cash each month: pay down a loan or invest it? Compare net worth after taxes.ROIC CalculatorReturn on invested capital from NOPAT, debt, equity and cash, compared against WACC.SBA Loan CalculatorSBA 7(a) and 504 monthly payments from prime + spread, with guarantee fee and schedule.USDA Loan CalculatorUSDA mortgage payment with the 1% guarantee fee financed and the 0.35% annual fee.Commercial Mortgage CalculatorCommercial real estate loan payment, balloon at maturity, DSCR, LTV and max loan size.Points & Miles Value CalculatorFind the cents-per-point value of a points or miles redemption and compare it to cash back.HELOC vs Cash-Out Refinance CalculatorCompare a HELOC with a cash-out refinance: payments, closing costs and total cost over time.Mortgage Escrow CalculatorMonthly escrow for taxes and insurance, RESPA cushion, and shortage or surplus over 12 months.Mortgage Interest Deduction CalculatorDeductible mortgage interest under the loan limit, itemize vs standard and tax savings.Net Effective Rent CalculatorTrue monthly rent after free months, move-in credits and concessions over the lease term.Piggyback Loan Calculator (80/10/10)Compare an 80/10/10 first + second mortgage with one loan plus PMI: payment and total cost.Public Service Loan Forgiveness CalculatorEstimate your PSLF forgiveness date and amount from payments made, IDR payment, balance and rate.Seller Financing CalculatorOwner-financed payment, balloon amount, seller interest income and a yearly note schedule.Student Loan Capitalized Interest CalculatorInterest accrued in school, grace and deferment, your capitalized balance and new payment.0% APR Payoff CalculatorMonthly payment to clear a 0% purchase before the promo ends, and the deferred interest at risk.
About Loan & Mortgage Calculators
Work out monthly payments, total interest and payoff dates for mortgages, car loans, student loans and credit cards. Comparing scenarios, such as a 15-year versus a 30-year mortgage or adding an extra payment each month, shows how much the loan really costs over time. Figures are estimates and exclude lender-specific fees unless you add them.
Most used here: Mortgage Calculator, PMI Calculator and Loan Calculator.