Loan & Debt Calculators (Free) | Cash Calculator Hub

Borrowing costs money, and the details matter: the rate, the term, the fees and any extra payments. These calculators show payments, total interest and a full payoff schedule for many kinds of debt.

Loans & Debt calculators (48)

About Loans & Debt calculators

Most installment loans use the same formula: a fixed payment calculated from the amount, rate and term. Early payments are mostly interest, and later payments are mostly principal. Extra payments reduce the balance faster and save interest.

If you owe several debts, the debt payoff calculator compares the avalanche and snowball methods, and the consolidation calculator shows whether one new loan would save money. Credit card tools show how minimum payments stretch out a balance for years.

Debt tools now include the avalanche and snowball payoff methods, balance transfers, blended rates, balloon and deferred-payment loans, credit card interest, minimum payments and utilization, refinance break-even, cash-out refinance, student loan repayment and forgiveness, payday loans and PITI.

How loans are priced

Every installment loan is defined by an amount, a rate and a term. The loan calculator and the payment calculator turn those into a payment and a schedule. Fees raise the real cost, which the APR calculator makes visible.

Paying debt down

Extra payments shorten a loan and cut interest. Use the repayment calculator for one loan and the debt payoff calculator when you owe several. Credit cards are a special case; see the credit card payoff calculator.

Choosing the right loan

Compare the total cost, not only the payment. The debt consolidation calculator tests whether one new loan beats several old ones, and the student loan calculator and personal loan calculator cover those specific products.

What you can calculate

Loan & EMI Calculator: Calculate your monthly EMI and view a full payment schedule for any loan.
Payment Calculator: Find your loan payment for a fixed term, or how long a fixed payment takes to pay off the loan.
Repayment Calculator: See when you will be debt-free with extra payments and what payment you need for a target date.
Credit Card Calculator: See how long it takes to pay off a credit card with a fixed payment, minimum payments or a goal date.
Credit Cards Payoff Calculator: Find the monthly payment needed to pay off a credit card by your target date and compare payoff goals.
Debt Payoff Calculator: Plan to pay off several debts using the avalanche or snowball method and see the interest you save.
Debt Consolidation Calculator: Compare your current debts with one consolidation loan to see payment and interest savings.
Student Loan Calculator: Estimate student loan payments including interest that accrues in school and during the grace period.
Personal Loan Calculator: Calculate personal loan payments, total interest and APR including the origination fee.
Business Loan Calculator: Estimate business loan payments, the origination fee and the true APR.
Boat Loan Calculator: Estimate boat loan payments and the real monthly cost including insurance and storage.
Lease Calculator: Calculate a lease payment for any asset from price, residual value, rate and term.
Balloon Payment Calculator: Compute the regular payment and final balloon on a partially amortized loan.
Partially Amortized Loan Calculator: Compute payments and the remaining balance on a partially amortized loan.
Blended Rate Calculator: Find the weighted average interest rate across several loans.
Balance Transfer Calculator: Find the savings from moving a card balance to a 0% promotional offer.
Car Refinance Calculator: Check whether refinancing a car loan lowers your cost.
Cash-Out Refinance Calculator: Estimate the new payment and cash you can take out of home equity.
Credit Utilization Calculator: Compute credit utilization across cards and see the effect on your score.
Debt Avalanche Calculator: Pay off debts from highest interest to lowest and see the time and interest.
Debt Snowball Calculator: Pay off debts from smallest balance to largest and see the time and interest.
Debt Calculator: Total your debts and see the combined monthly payment and weighted rate.
Credit Card Interest Calculator: Compute credit card interest for a month and over a payoff period.
Credit Card Payment Calculator: Find the payment needed to clear a balance in a set time.
Credit Card Minimum Payment Calculator: See how long minimum payments take and what they cost.
Deferred Payment Loan Calculator: Compute the balance and payments of a loan with deferred payments.
Early Loan Payoff Calculator: See how much interest and time you save by paying a loan early.
Finance Charge Calculator: Compute total finance charge on a loan or purchase.
Home Improvement Loan Calculator: Estimate payments for a home improvement loan.
Interest Per Day Calculator: Compute the daily interest on a loan or balance.
Land Loan Calculator: Compute the payment on a land loan, usually with a higher rate and shorter term.
Loan Balance Calculator: Find the remaining balance on a loan after some payments.
Loan Comparison Calculator: Compare two loans by payment and total interest.
Loan Interest Calculator: Compute total interest on a loan.
Loan Payment Calculator: Compute the payment on any amortizing loan.
Loan Repayment Calculator: Find how long a loan takes to repay with a chosen payment.
PITI Calculator: Compute principal, interest, taxes and insurance on a mortgage.
Post Judgment Interest Calculator: Compute interest accruing on a court judgment.
Refinance Break-Even Calculator: Find how long a refinance takes to pay back its closing costs.
RV Loan Calculator: Compute the payment on an RV or camper loan.
Payday Loan Calculator: See the APR and true cost of a payday loan.
Student Loan Payment Calculator: Compute the monthly payment on a student loan.
Student Loan Repayment Calculator: Compare standard and extended repayment of a student loan.
Student Loan Forgiveness Calculator: Estimate forgiveness on an income-driven plan after the repayment period.
10/1 ARM Calculator: Compute payments for a 10/1 adjustable-rate mortgage and its first reset.
28/36 Rule Calculator: Check your housing and total debt against the 28/36 rule.
Mortgage Interest Calculator: Compute total mortgage interest over the life of the loan.
Economic Injury Disaster Loan Calculator: Estimate the payment on an SBA economic injury disaster loan at the 2026 rate of 4%.

Frequently asked questions

Can I add extra payments?

Yes. Add monthly, yearly or one-time extra payments to see the time and interest you save.

Can I enter the term in years and months?

Yes. Enter years and months together, for example 6 years and 2 months.

How can I pay off a loan faster?

Pay more than the required amount, add extra yearly or one-time payments, or switch to biweekly payments. Make sure extra payments go to principal.

What is APR and why does it matter?

APR is the yearly cost of a loan including fees. Use it, rather than the interest rate alone, to compare offers.

Other calculator categories

Disclaimer: Please do not make financial decisions based on these results. These calculators are for general information only. Talk to a licensed professional before making any financial, tax or legal decision. Read the full disclaimer.