Loan & Debt Calculators
Free calculators that run entirely in your browser. Enter your own figures and see the monthly payment, total interest, and payoff date instantly — no sign-up, and nothing you type is sent anywhere.
Not financial advice. These tools are for information and education only. They do not recommend a lender, a rate, or a time to borrow. Read the full disclaimer.
The calculators
Loan Payment Calculator
Monthly payment, total interest, and a full amortization view for any amount, rate, and term.
LivePersonal Loan Calculator
Compare offers by true annual cost, fees included, on a personal loan.
LiveDebt Payoff Calculator
See how an extra payment each month shortens the balance and cuts total interest.
How they work
All three use the standard amortization formula M = P × r(1+r)n / ((1+r)n − 1), where P is the amount borrowed, r the monthly rate, and n the number of monthly payments. The math is deterministic: the same inputs always give the same result, and every documented figure on the site is checked against the formula.
Looking for something else? The full set — mortgage, savings, retirement, investing, and business — is in all calculators.
Common questions
Are these calculators free?
Yes. Every calculator runs entirely in your browser, with no sign-up and no limit. Nothing you type is sent to a server.
How is a loan payment calculated?
With the standard amortization formula, using your loan amount, monthly rate, and number of payments.
Which calculator should I use?
Loan payment for a single fixed loan, personal loan to compare offers by APR, and debt payoff to see how extra payments shorten a balance.
Sources & method
Formulas follow the standard amortization math referenced by the Consumer Financial Protection Bureau (US). Page last reviewed September 2026 — found an error? Tell us. Full method: methodology.