Loans & Debt
Loans & Debt
Every loan has a true cost hidden behind its monthly payment. These tools show the total interest you'll pay, how much extra payments save, and — when you're juggling several debts — which payoff order clears them fastest and cheapest.
Loans & Debt calculators15
Loan Calculator
Calculate the monthly payment, total interest, and payoff date for any personal, auto, or fixed-rate loan — and see how extra payments shorten it.
Auto Loan Calculator
Car payment with the real numbers: sales tax, fees, trade-in credit — even negative equity. See the monthly payment and the true total cost.
Car Affordability Calculator
How much car can you afford? Enter the monthly payment you're comfortable with, your down payment, rate, and term to see the car price it supports.
Car Depreciation Calculator
See what a car will be worth in a few years. Project its value as it depreciates and how much of your money the drop in value quietly costs.
Lease vs. Buy Car Calculator
Compare leasing a car against buying one over the same period — total out-of-pocket cost, the resale value you keep when buying, and which is cheaper.
Car Lease Payment Calculator
Work out a car lease payment from the numbers on the contract — capitalised cost, residual value, and money factor — and see the depreciation and finance halves separately.
True Cost of Car Ownership Calculator
Add up what a car really costs over the years you keep it: depreciation, loan interest, fuel, insurance and maintenance, expressed per year, per month and per mile.
Auto Loan Refinance Calculator
See whether refinancing your car loan actually saves money — separating the lower monthly payment from the total interest, which can rise if you extend the term.
Income-Driven Repayment Calculator
Estimate a federal income-driven student loan payment as a share of discretionary income, and see whether it covers the interest or lets the balance grow.
Car Lease Buyout Calculator
At lease end, buy the car or hand it back? Compare the buyout price against the car's market value to see if you would be buying at a discount.
Student Loan Calculator
Monthly student loan payment, total interest, and payoff date under standard repayment — plus how much extra payments accelerate your debt-free day.
APR Calculator
See a loan's true cost. Enter the rate, term, and upfront fees to get the real APR — the number that folds points and closing costs into one annual figure you can compare across offers.
Loan Comparison Calculator
Compare two loans side by side — monthly payment, total interest, and lifetime cost — to see which is genuinely cheaper, not just the lower payment.
Debt Consolidation Calculator
See whether consolidating your debts into one loan lowers your payment and total interest — compared against finishing your current debts as they are.
Debt Payoff Calculator — Snowball vs Avalanche
Enter up to three debts and compare the snowball and avalanche strategies head-to-head: payoff dates, total interest, and what the difference costs.