Loan calculators

Find the monthly payment, the total interest and the true cost of a loan before you borrow, so you can compare offers with confidence.

Loan Calculator

Payment, total interest and a month-by-month schedule for personal loans and any other fixed-rate loan.

Your car payment including your trade-in, sales tax and dealer fees.

The real annual cost of a loan once origination fees and other charges are included.

Buying a car? Use the auto loan calculator. It handles the parts that make car loans tricky: trade-ins, money still owed on your old car, sales tax and fees.
Comparing personal loan offers? Start with the APR calculator. A loan with a lower rate but a big origination fee can cost more than one with a slightly higher rate and no fee.
Any other fixed-rate loan? The loan calculator works for any amount, rate and term, and shows how extra payments shorten the loan.
Thinking of a loan to pay off credit cards? The debt consolidation calculator compares the loan with keeping your current debts.
Buying a home? See our mortgage calculators.

The APR, not just the interest rate. It includes certain fees, so it's the fairest way to compare lenders.
The total you'll pay over the life of the loan. A longer term lowers the monthly payment but usually raises the total.
The monthly payment, checked against your budget. Make sure it still leaves room for savings and surprises.

Want to understand how a loan balance falls over time? Our guide to how amortization works walks through it with real numbers.

Last reviewed: October 2026