Free loan calculators
Mortgage payments, auto loans, credit card payoff, compound growth, home equity, refinance break-even, amortization schedules, student loan payoff, biweekly payments — the loan math lenders use, in plain English.
Mortgage Calculator
Monthly payment with property tax, homeowners insurance, PMI/MIP, and HOA — for Conventional, FHA, VA, and USDA loans, with a full amortization schedule.
Open calculator →Home Affordability Calculator
How much house can you afford? Enter income, debts, and down payment — we apply the 28/36 DTI rule to find your max home price.
Open calculator →Refinance Calculator
Compare your current loan to a refinance: break-even months, monthly savings, and lifetime interest saved.
Open calculator →Amortization Calculator
Month-by-month amortization schedule for any loan — principal vs. interest on every payment, plus totals.
Open calculator →Student Loan Calculator
Payoff date and total interest for your student loans — compare avalanche vs. snowball payoff strategies.
Open calculator →Biweekly Payment Calculator
See how biweekly mortgage payments shave years off your loan and save thousands in interest.
Open calculator →Auto Loan Calculator
Monthly car payment with down payment and trade-in — plus total interest and the true total cost of the vehicle.
Open calculator →Personal Loan Calculator
Monthly payment, total interest, and origination fees — see the cash you'll actually receive and the true total cost.
Open calculator →Credit Card Payoff Calculator
Your debt-free date, total interest, and how much paying a little extra each month saves you.
Open calculator →Compound Interest Calculator
Project the future value of savings with monthly contributions — see your deposits vs. compound growth.
Open calculator →Home Equity Loan Calculator
How much can you borrow against your home's equity? Monthly payment and total interest at the 80% LTV limit.
Open calculator →Rent vs Buy Calculator
Should you rent or buy? Compare net worth after renting vs buying, with appreciation, rent growth, and your break-even year.
Open calculator →APR Calculator
The true annual percentage rate of any loan — note rate plus origination fees and points, so you can compare offers honestly.
Open calculator →Closing Cost Calculator
Itemized closing-cost estimate for Conventional, FHA, VA, and USDA loans — origination, title, escrow, prepaids, and cash to close.
Open calculator →ARM vs Fixed Calculator
Adjustable-rate vs 30-year fixed mortgage: total cost over your time horizon, with flat-rate and worst-case ARM scenarios.
Open calculator →Loan guides
Plain-English explainers with real numbers — the concepts behind the calculators, worked through step by step.
How Much House Can I Afford on My Salary?
The 28/36 rule with worked examples for $60K, $80K, and $120K.
Read the guide →15-Year vs 30-Year Mortgage
The $247,608 question — with the third option most people miss.
Read the guide →How Much Car Can I Afford?
The 15% rule and the stricter 20/4/10 rule, explained.
Read the guide →How Loan Amortization Works
Why payment #1 is 86% interest — and how $200/mo saves $108,097.
Read the guide →Why do the math before you borrow?
A mortgage is the largest financial commitment most people ever make, yet most borrowers never see the full picture: how much of each payment goes to interest, what PMI actually costs, or when refinancing pays for itself. These calculators show you the numbers your lender sees — so you can ask better questions and spot a bad deal before you sign.
How the calculators work
Every calculator runs entirely in your browser using standard loan amortization formulas — the same math behind bank disclosures. Enter your numbers, and results update instantly: monthly payments, total interest, payoff timelines, and full amortization schedules. Nothing you type is sent to us or stored anywhere.
Frequently asked questions
Are these loan calculators really free?
Yes — every calculator on LoanCalc is free with no account, no signup, and no limits. The site is supported by advertising.
How accurate are the results?
The math follows standard amortization formulas used across the lending industry, so payment figures are accurate for the inputs you enter. They're still estimates — your lender's exact fees, tax assessments, and insurance quotes will differ.
Is this financial advice?
No. LoanCalc is an educational tool. Nothing here is personalized financial advice. Talk to a licensed mortgage or financial professional before making borrowing decisions.
Do you store the numbers I enter?
No. All calculations happen in your browser — your inputs never leave your device and we don't store them.