Quick answer
17 free calculators. Use the APR calculator to compare offers, the payoff calculators to plan paying down cards and other debt, and the consolidation calculator to check whether one new loan would actually cost less. Results are estimates; a lender's written disclosure is the final word.
All calculators
Amortization Calculator: Payment and Payoff Schedule
Free amortization calculator. Enter a loan amount, APR and term to see the monthly payment, total interest, and a year-by-year schedule of principal, interest...
APR Calculator: Find the True Cost of a Loan With Fees
Free APR calculator. Turn an interest rate plus fees, or a flat short-term fee, into an annual percentage rate. Includes the formulas, worked personal loan...
Auto Loan Refinance Calculator: New Payment and Savings
Free auto loan refinance calculator. Compare your current car payment with a refinance offer to see the new monthly payment, total interest saved after fees...
Balance Transfer Calculator: Fee vs Interest Saved
Free balance transfer calculator. Compare keeping your card with transferring to an intro APR offer, including the transfer fee and the rate after the intro...
Credit Card Interest Calculator: Monthly and Total Cost
Free credit card interest calculator. Enter your balance, APR and monthly payment to see this month's interest, the daily rate, and total interest until the...
Credit Card Minimum Payment Calculator
Free credit card minimum payment calculator. See how long it takes and how much interest you pay making only minimum payments, versus keeping your payment...
Credit Card Payoff Calculator: How Long to Pay Off Your Card
Free credit card payoff calculator. Enter your balance, APR and monthly payment to see how many months it takes, the total interest, and the payment needed to...
Credit Utilization Calculator: Overall and Per Card
Free credit utilization calculator. Enter balances and limits for up to five cards to see overall and per-card utilization, and how much to pay down to reach...
Debt Consolidation Loan Calculator: Will It Save You Money?
Free debt consolidation loan calculator. Compare what your debt costs now with a consolidation loan offer, including the origination fee, to see the new...
Debt Payoff Calculator: Avalanche vs Snowball Method
Free debt payoff calculator. Enter up to five debts and an extra monthly amount to compare the avalanche and snowball methods side by side: months to...
Debt-to-Income Ratio Calculator (DTI)
Free debt-to-income ratio calculator. Add your monthly debt payments and gross income to see your DTI, and how a new loan payment would change it before you...
Loan Affordability Calculator: How Much Can I Borrow?
Free loan affordability calculator. Work backward from a monthly payment you can afford, the APR and term, and a debt-to-income limit, to find a loan amount...
Loan Comparison Calculator: Compare Two Loan Offers
Free loan comparison calculator. Enter amount, APR, term and fees for two loans to compare monthly payments, total interest and fees, and which costs less...
Personal Loan Calculator: Monthly Payment and Total Interest
Free personal loan calculator. Enter the loan amount, APR and term to see your monthly payment, total interest and total cost, with the formula and worked...
Loan Payoff Calculator: See How Extra Payments Help
Free loan payoff calculator. Enter your balance, APR and payment to see when your loan will be paid off and how much time and interest extra monthly payments...
Cash Advance and Payday Loan Calculator: True Cost and APR
Free cash advance calculator. See the real cost and APR of a payday loan, including rollovers, or a credit card cash advance with its fee and interest. Compare...
Simple Interest Calculator: Interest = P x R x T
Free simple interest calculator. Enter principal, annual rate and time to see the interest and total, plus how much more you would owe if interest compounded...
How to use these estimates
Each calculator runs in your browser and does not save or send what you type. The math is standard amortization or simple annualizing, and each page shows the formula it uses. Real offers can differ because of origination fees, rounding, payment dates and your credit profile. Federal law (the Truth in Lending Act) requires a lender to show you the APR, finance charge and payment schedule in writing before you sign.
For background on how rates are set, read APR explained or see typical ranges by loan type on rates and fees. More guides are in Learn.