Loans & Mortgage
Calculate monthly payments, interest costs, and amortization schedules for mortgages, auto loans, student loans, and more.
Use these loan and mortgage calculators to estimate monthly payments, compare repayment timelines, and understand the total interest cost before you borrow.
Start with the calculator that matches the decision in front of you, then use the related guides to check the formula, assumptions, and tradeoffs behind the result.
Start With These Calculators
All Loans & Mortgage Calculators
Mortgage Calculator
Calculate your monthly mortgage payment, total interest, and view a full amortization schedule.
Loan Calculator
Calculate monthly payments and total interest for any loan amount, rate, and term.
Car Loan Calculator
Calculate your monthly car payment including down payment and trade-in value.
Student Loan Calculator
Calculate student loan payments with grace period and different repayment plans.
Debt Payoff Calculator
Find out how long it takes to pay off your debt and how much interest you will pay.
Loans & Mortgage Guides
Read practical explanations and examples connected to these calculators.
How to Calculate Loan Payments (Formula & Examples)
Master the standard loan payment formula that works for personal loans, auto loans, and any fixed-rate installment debt. Step-by-step examples included.
How to Create a Debt Payoff Plan
Create a personalized debt payoff plan using the avalanche or snowball method. Learn to calculate payoff timelines and see which strategy saves you the most.
How to Calculate Student Loan Repayment
Calculate your student loan payment under different repayment plans. Compare standard, graduated, and income-driven options to find your best strategy.
How to Calculate Car Loan Payments
Calculate your car payment using the loan formula and understand how loan term, interest rate, and down payment affect your total cost of borrowing.
How to Choose the Right Loan Term
A shorter loan term means higher monthly payments but dramatically less total interest. A $25,000 car loan saves $2,500+ in interest by choosing 48 months over 72 months.
What Is an Amortization Schedule? How Your Loan Payments Work
An amortization schedule is a table that shows exactly how each loan payment is divided between principal and interest over the full life of the loan.
Common Questions
Which loan calculator should I start with?
Use the mortgage calculator for home loans, the car loan calculator for vehicle financing, the student loan calculator for education debt, and the general loan calculator for most fixed-rate personal loans.
Do these calculators include every lender fee?
No. They estimate payment and interest from the inputs you enter. Lender fees, taxes, insurance, escrow rules, and local charges can change the final cost.
Why does total interest change so much with loan term?
A longer term spreads principal over more payments, which lowers the monthly payment but leaves the balance outstanding for longer. That usually increases total interest.