Borrowing Calculators

Payment, total interest, and payoff timeline for any fixed-rate loan, with an amortization breakdown.

The monthly payment on any fixed-rate loan — plus total interest, the true APR once fees are counted, and a full amortization schedule with extra-payment savings.

Business loan payment, total cost, and effective APR — origination fees folded in, with a full amortization schedule to compare offers honestly

See how long a fixed payment takes to clear your balance — and how the shrinking minimum-payment trap costs you years and thousands in interest.

Compare the snowball and avalanche strategies across all your debts — payoff order, total interest, and which one frees you sooner.

The real out-the-door cost — sales tax with the trade-in credit, fees, and the negative-equity timeline showing when you stop being underwater.

Whether a 0% balance transfer pays off once the fee and the go-to APR are counted — plus the payment to clear it before the promo ends.

Your front-end and back-end DTI, the lender qualification band you fall in, and how much debt headroom you have before 36% and 43%.

Pay off an existing loan faster — compare extra, biweekly, and lump-sum strategies, or solve the payment to be debt-free by a target date.

Standard repayment vs an income-driven plan based on your discretionary income — the lower payment and the long-term tradeoff.

A full month-by-month amortization schedule with the principal-vs-interest crossover, extra payments, and CSV export.

How much car you can responsibly afford using the 20/4/10 rule — counting insurance and fuel, not just the loan payment.

Payment and true cost of an SBA business loan, including the SBA guarantee fee and the long terms SBA financing allows.

Whether buying out your car lease is smart — the all-in buyout cost vs the car’s market value, and the equity it captures.

Turns a small-sounding fee into its true APR (often 400%+), models the rollover trap, and compares the cost to safer credit.

The true cost of a credit-card cash advance — the fee, the higher APR, and the no-grace-period interest that starts on day one.

Convert a car lease money factor to its equivalent APR (and back) — multiply by 2400 — so you can compare lease financing against a loan on equal terms.

The low monthly payment during an interest-only period — and the jump to a full principal-and-interest payment when it ends, so the payment shock is no surprise.

The true APR on a loan once upfront fees are counted — always higher than the note rate — the apples-to-apples number for comparing loan offers honestly.

How much you can borrow for a monthly payment you can afford — working backwards from the payment to the principal, with the total interest over the term.

Monthly payment and the lump-sum balloon due at maturity — the classic 30/5 structure priced year by year, with an interest-only mode and the full cost to the balloon date.

Whether a premium card's annual fee earns its keep — net value from rewards, honestly-valued perks, and amortized welcome bonus versus a no-fee card, with the break-even spend.

The balance-weighted blended rate across multiple debts — what consolidation must beat — including the federal student-loan rule that rounds the weighted average up to the nearest one-eighth percent.