Loan Calculators
Use loan calculators to estimate personal loan payments, interest cost, fees, repayment schedules, and term comparisons before reviewing lender offers.
Personal Loan Calculator
Use this personal loan calculator to estimate monthly payment, fees, total interest, total repayment, net funds received, and payoff schedule.
Loan Comparison Calculator
Use this loan comparison calculator to compare two loan offers side by side by payment, APR, fees, interest, term, and total cost.
Auto Loan Calculator
Use this auto loan calculator to estimate car payment, taxes, fees, down payment, trade-in, rebate, total interest, and amortization.
Student Loan Repayment Calculator
Use this student loan repayment calculator to estimate monthly student loan payment, interest, payoff time, extra payment savings, and schedule.
EMI Calculator
Use this EMI calculator to estimate equated monthly installment, total interest, repayment, fees, and amortization for loans.
Loan Calculators Guides
Use these short guides to choose the right calculator before opening a tool. Each guide explains the purpose, basic formula, inputs, and results in plain language.
Personal Loan Calculator
Use this guide to understand how the personal loan calculator estimates monthly payment, total interest, total repayment, fee impact, net funds received, payoff time, and the amortization schedule.
- Term months = exact term months when entered, otherwise loan term years × 12
- Monthly payment uses the standard installment loan formula based on loan amount, APR, and term months
- Origination fee = loan amount × fee percent, or the exact fee amount entered
- Net funds received = requested loan amount minus deducted origination fee
- Total repayment = monthly payments plus selected fees and add on costs over the payoff schedule
- Loan amount you want to borrow
- APR or annual interest rate
- Loan term in years or exact months
- Optional origination fee percent or exact fee amount
- Fee treatment such as deducted, paid upfront, or financed
- Optional monthly add on cost and extra monthly payment
- Comparison term, rate, and fee assumptions
- Estimated monthly payment and monthly outflow
- Total interest and total repayment estimate
- Net funds received after deducted fees
- Estimated payoff time
- Effective cost rate estimate for planning
- Term comparison table
- Monthly amortization schedule with principal, interest, payment, and remaining balance
Loan Comparison Calculator
Use this guide to understand how the loan comparison calculator compares loan offers by monthly payment, APR, term, fees, total interest, total cost, payoff time, and selected-month cost.
- Monthly payment uses the standard installment loan formula for each option
- Total interest = total scheduled payments minus loan amount
- Total cost = total scheduled payments plus upfront fees or closing costs
- Selected-month cost = payments made through the selected month plus upfront fees
- Lowest monthly payment and lowest total cost are calculated separately because they may point to different offers
- Option A and Option B loan amount
- APR or interest rate for each loan offer
- Repayment term for each option
- Optional upfront fees, origination fees, points, or closing costs
- Optional extra monthly payment for each offer
- Optional Option C when comparing a third loan
- Optional selected-month horizon for early payoff or refinance comparison
- Lowest monthly payment
- Lowest total cost
- Monthly payment difference
- Total cost difference
- Interest difference
- Side-by-side loan comparison table
- Selected-month cost comparison when entered
- Monthly amortization schedules for each loan option
Auto Loan Calculator
Use this guide to understand how the auto loan calculator estimates monthly car payment, amount financed, total interest, taxes, fees, trade-in impact, rebates, and payoff schedule.
- Trade-in equity = trade-in value minus amount owed on the trade-in
- Amount financed = vehicle price minus down payment minus rebate minus trade-in equity plus financed taxes, fees, and add-ons
- Monthly payment uses the standard installment loan formula based on amount financed, APR, and term months
- Total interest = total loan payments minus amount financed
- Upfront cash needed depends on whether taxes and fees are financed or paid at purchase
- Vehicle price
- Down payment
- APR or interest rate
- Loan term in months
- Trade-in value and amount owed on trade-in
- Cash rebate or incentive
- Sales tax, title, registration, dealer fees, and optional add-ons
- Whether taxes and fees are financed or paid upfront
- Estimated monthly car payment
- Amount financed
- Total interest and total loan payments
- Trade-in equity and upfront cash needed
- Total vehicle financing cost
- Term comparison table
- Monthly amortization schedule with principal, interest, payment, and remaining balance
Student Loan Repayment Calculator
Use this guide to understand how the student loan repayment calculator estimates monthly payment, total interest, payoff time, grace-period interest, extra payment savings, target payoff payment, and repayment schedule.
- Repayment balance = current balance plus school or grace-period interest and expected new borrowing when entered
- Monthly payment uses the standard amortizing loan formula based on repayment balance, APR, and term months
- Grace-period interest estimates interest that can accrue before repayment starts
- Target payoff payment estimates the monthly payment needed to repay the loan by the selected target month
- Extra monthly payment can reduce payoff time and total interest when applied to principal
- Current student loan balance
- Annual interest rate or APR assumption
- Repayment term in years or months
- Optional school or grace-period months
- Optional expected new borrowing and loan fee assumptions
- Optional extra monthly payment
- Optional target payoff months and comparison term
- Estimated monthly student loan payment
- Balance at repayment start
- Total interest and total repayment estimate
- Estimated payoff time
- Interest saved by extra payment
- Target payoff payment when entered
- Monthly repayment schedule with principal, interest, payment, and remaining balance
EMI Calculator
Use this guide to understand how the EMI calculator estimates monthly installment, amount financed, total interest, total repayment, fee impact, extra payment savings, and the amortization schedule.
- Term months = exact term months when entered, otherwise loan term years × 12
- Amount financed = loan amount plus financed fee when the fee treatment is financed
- EMI uses the standard amortizing loan payment formula based on amount financed, APR, and term months
- Total interest = total scheduled payments minus amount financed
- Total repayment = scheduled payments plus selected upfront fees and monthly add on costs
- Loan amount or principal
- Annual interest rate or APR assumption
- Loan term in years or exact months
- Optional processing fee percent or exact fee amount
- Fee treatment such as paid upfront, deducted, or financed
- Optional monthly add on cost and extra monthly payment
- Comparison term and comparison interest rate
- Estimated monthly EMI and monthly outflow
- Amount financed
- Total interest and total repayment estimate
- Processing fee and net amount received when relevant
- Estimated payoff time
- Interest saved by extra payment
- Monthly amortization schedule with principal, interest, payment, and remaining balance
Loan Calculators FAQs
What are loan calculators?
Loan calculators estimate payments, interest, total repayment, fees, payoff time, and repayment schedules from the numbers you enter.
Which loan calculator should I use first?
Start with the calculator that matches the loan type. Use the personal loan calculator for unsecured installment loans and future loan tools for auto, student, EMI, or side-by-side loan comparisons.
Do loan calculators show the final lender offer?
No. They provide planning estimates only. Final rates, APR, fees, approval terms, discounts, and funding rules can vary by lender and borrower profile.
Can I compare loan terms?
Yes. A loan calculator can help compare shorter and longer repayment terms so you can see how payment and total interest may change.
Should I include origination fees?
Yes, include origination fees when a lender charges them. Fees can change net funds received, total repayment, and the real cost of borrowing.
Are loan calculator results exact?
No. Treat the results as estimates and confirm important borrowing decisions with lender disclosures, statements, or a qualified professional.