Loan and Debt Calculators

Estimate principal-and-interest payments, total interest and loan amortization from the mortgage amount, rate, term and payment assumptions you enter.

Estimate an auto-loan payment, financed amount and interest from vehicle price, trade-in, down payment, sales tax, rate and term. Insurance, maintenance, fuel and depreciation are not included.

Estimate a student-loan payment, payoff period and interest cost from the balance, interest rate, repayment term and extra-payment assumptions you enter.

Estimate payoff time and interest from a credit-card balance, APR and payment using a monthly planning model. Actual issuer interest methods and statement timing can differ.

Compare debt payoff ordering by smallest balance versus highest interest rate using the balances, APRs, minimums and extra payment you enter.

Compare two loan offers using their principal, interest rate, term and applicable fees instead of comparing monthly payment alone.

Compare an existing loan with a proposed refinance using balances, rates, terms, closing costs and the time you expect to keep the new loan.

Estimate a fixed personal-loan payment and total interest from the amount borrowed, annual rate and repayment term you enter.

Model a home-price range from income, existing debt payments, down payment, mortgage terms and recurring housing costs using the limits you choose.

Calculate the periodic payment for a fixed-rate amortizing loan from principal, annual interest rate and repayment term.

Estimate HELOC borrowing, interest and payment scenarios from the line balance, rate and repayment assumptions you enter.

Estimate a vehicle lease payment from negotiated price, residual value, term, money factor or rate, taxes and upfront amounts you enter.

Compare the payments and modeled interest on existing debts with a proposed consolidation loan using the balances, rates, term and fees you enter.

Compare a credit-card balance transfer using the transfer fee, promotional APR, promo period and post-promo rate you enter.

Project payoff time and interest when a credit-card payment follows the minimum-payment rule and APR assumptions you enter.

Calculate debt-to-income ratio from gross monthly income and monthly debt obligations. Qualification limits vary by lender, product and underwriting rules.

Total the lender, title, prepaid, government and other closing-cost items you enter and account for applicable seller or lender credits.

Compare the upfront cost of discount points with payment savings using the actual rate reduction offered by the lender. One point costs 1% of the loan amount, but there is no fixed rate reduction per point.

Estimate an APR-style borrowing cost from a personal loan's principal, payment schedule and entered upfront finance charges.

Calculate revolving credit utilization from reported balances and credit limits, both overall and by account where entered.