Loan Calculators
Amortizing loans, balloon notes, lines of credit and commercial financing — modelled to the dollar.
Almost every loan runs on the same engine: a balance, a rate, and a schedule that splits each payment between interest and principal. These calculators let you model that engine for any loan — personal, balloon, line of credit — and read an offer for what it really costs.
Use them to see how the term changes total interest, to compare two offers on an equal footing, and to check what you'd pre-qualify for before you apply.
Read the complete loans guideWhat is the difference between these loan calculators?
Each models a different structure: the amortizing loan calculator handles standard fixed-payment loans, the balloon calculator a large final payment, and the line-of-credit tools revolving balances. Pick the one that matches your loan type.
How do I compare two loan offers?
Use the loan comparison calculator, which folds rate and term into one total-cost figure. Compare total interest and total cost, not just the monthly payment — a lower payment often hides a longer, costlier term.
Are these loan calculators free and accurate?
Yes, all free with no sign-up, and precise for the inputs you enter using standard amortization math. Your real APR includes fees, so enter the APR rather than just the rate for the truest comparison.