Loans & Debt

Loans & Debt calculators

Borrowing something new, or paying off what you already owe? Start with the question below that matches yours. Each tool works from your own numbers, and the costs are often bigger than the monthly payment suggests. A 72-month car loan, for example, can look cheap until you see the total interest.

What will this loan cost me?Loan CalculatorSolve for the payment, the amount you can borrow, the time to repay, or the rate.Open
Would a personal loan save me money?Personal Loan CalculatorPayment and true APR with origination fees, and the savings from consolidating debt.Open
What will my car payment be?Auto Loan CalculatorPayment after trade-in, tax, and fees, compared across terms, with an underwater estimate.Open
Which student loan plan costs me least?Student Loan CalculatorStandard, Tiered, Extended, Graduated, IBR, and RAP compared on your income.Open
When will I be debt free?Debt Payoff CalculatorList every debt and compare avalanche, snowball, and your own order, with rollover.Open
How long will my credit card take to pay off?Credit Card Payoff CalculatorThe real cost of minimum payments, and what a fixed payment or balance transfer changes.Open
What's the true rate on this loan?APR CalculatorThe real APR after fees, and up to four loan offers compared side by side.Open
What will my car lease payment be?Car Lease CalculatorMonthly lease payment from cap cost, residual, and money factor, with the total cost of the lease.Open
Should I lease or buy my next car?Lease vs. Buy Car CalculatorThe real cost of leasing against financing a car over the time you plan to drive it.Open
How much car can I afford?Car Affordability CalculatorThe car price your budget supports, working back from income or a monthly payment.Open
Should I refinance my car loan?Auto Refinance CalculatorMonthly and lifetime savings from refinancing a car loan, including fees and term changes.Open
How soon can I pay off this loan?Loan Payoff CalculatorYour payoff date and interest saved on any loan from its current balance, with a target-date solver.Open
Is a balance transfer worth the fee?Balance Transfer CalculatorSavings from a 0% transfer after fees, and the payment needed to clear it before the promo ends.Open
Would consolidating my debts save money?Debt Consolidation CalculatorAll your debts compared with one new loan: payment, payoff time, and total interest.Open
How much interest will my card charge?Credit Card Interest CalculatorDaily and monthly card interest using average daily balance, and what your APR costs.Open
Should I refinance my student loans?Student Loan Refinance CalculatorSavings from refinancing, weighed against the federal protections you would give up.Open
What is my debt-to-income ratio?Debt-to-Income Ratio CalculatorYour front-end and back-end DTI, how lenders read them, and how much to pay down to qualify.Open

If you are about to borrow

Loan calculator. Start here for any fixed loan. It solves for the payment, the amount you can borrow, the time to repay, or the rate.
Personal loan calculator. Use it when an origination fee or debt consolidation is in play. A $10,000 loan at 12% over 36 months with a 5% fee has a payment of $332 and a true APR of 15.6%.
Auto loan calculator. Use it for trade-ins, tax, and term length. $30,000 at 7.5% costs $725 a month over 48 months or $519 over 72, and the longer term adds $2,529 in interest.
APR calculator. Use it last, to compare up to four offers side by side after fees.

If you are paying off debt

Credit card payoff calculator. Use it for one card. Paying the falling minimum on $6,500 at 24.99% takes 19 yrs 1 mo, and a fixed $250 takes 3 yrs 2 mos. It also tests a balance transfer.
Debt payoff calculator. Use it for two or more debts. On $22,000 across three cards with $300 extra a month, avalanche finishes in 2 yrs 8 mos and saves $546 over snowball.
Student loan calculator. Use it for federal loans. It compares Standard, Tiered Standard, Extended, Graduated, IBR, and RAP on your income. Federal plans changed in 2026, so check which ones apply to your loans.

A good order if you have several debts

First, get your numbers from your latest statements. Run the debt payoff calculator to see your debt-free date. Then test one change at a time: a balance transfer on your priciest card, or a consolidation loan in the personal loan calculator. Treat federal student loans separately, because income-driven plans follow their own rules. To find room for bigger payments, use the budget calculator.

For help deciding between methods, and when consolidation or credit counseling makes sense, read how to get out of debt. These tools give estimates, not advice. If your minimums don't fit your budget, a nonprofit credit counselor can review your options, and your federal servicer can help with student loans at no charge.

More tools for cars, cards, and debt

Cars: the car affordability calculator works backward from your budget, the car lease calculator breaks down a lease payment, the lease vs. buy calculator compares the two, and the auto refinance calculator tests a new loan.
Credit cards: the credit card interest calculator shows how a statement's interest is worked out, and the balance transfer calculator checks whether the fee pays off.
Several debts: the debt consolidation calculator compares your debts with one new loan, and the debt-to-income calculator shows the ratio lenders look at.
One loan: the loan payoff calculator gives a payoff date from your current balance, and the student loan refinance calculator weighs savings against the federal protections you would give up.

For a longer walk-through, read How to get out of debt: avalanche vs. snowball.

Estimates for educational purposes only, not financial, tax, investment, or legal advice. Check important numbers with your lender, plan, or a qualified professional. Full disclaimer.