Free Online Loan Calculators

You can use this loan comparison calculator to figure out your monthly payments for 2, 5, 7 and 10 year personal loans.  The calculator allows you to input a variety of interest rates for each loan term and the results include your monthly loan payment, total payments and the total interest paid on each loan.

You can use this loan APR calculator to estimate the effective interest rate on a personal loan.  The calculator uses out of pocket costs associated with an application and other fees to figure out an effective monthly payment on the loan.  Based on that new payment, the APR on the loan can be determined.

You can use this loan cost calculator to estimate the cost of the loan in terms of fees and points.  The calculator leverages the fact that the annual percentage rate or APR is determined using out of the pocket costs associated with the loan.  The closer the quoted interest rate is to the APR, the lower the fees.

You can use the loan payoff calculator to estimate how much money you might be able to save and the number of months that are and shaved off the length of your personal loan by paying more on your monthly payment than your regularly scheduled amount.

You can use this loan amortization table calculator to tell you how much money you still owe on a personal loan.  This calculator accommodates amortization tables of up to ten years and will show you the remaining principal on the loan based on the amount borrowed and the term of the loan.

You can use this loan calculator to figure out how much might be able to save by refinancing an existing personal loan.

You can use this interest only loan calculator to figure out your monthly payments if you decided to take out an interest only loan.  Although type of loan is much more common with mortgages, consumers can find lenders willing to write these kinds of loans to meet a variety of financing needs.

If you're thinking about debt consolidation, you might want to take a look at our consolidation loan calculator.  This tool is designed to help you figure out if a debt consolidation loan is right in your situation.  The calculator uses your outstanding debt balances and existing monthly payments to figure out the impact of a consolidation loan on your monthly budget.

You can use this credit card payment calculator to figure out what your minimum monthly credit card payment might be for each of the major credit card issuers.  You would want to use one of our other loan calculators to figure out how quickly you can pay off a credit card balance.

This free credit card payoff calculator can help you figure out how long it will take to pay off your credit card balance.  The calculator even helps you to figure out how much you should pay each month to pay down the balance faster than scheduled.

This credit card comparison calculator allows you to compare competing offers from two credit card companies.  The calculator evaluates your monthly card balance, annual fees, and introductory rates to calculate the cost of each credit card as well as the effective interest rate charged.

This family budget calculator helps you to figure out how your family expenses compare to an average family's expenses.  Using information from the Bureau of Labor Statistics, this calculator allows you to input your monthly or annual expenses in each of 14 different categories, the calculator then figures out the percentage spent in each category and compares your budget to the national average.

You can use this debt ratio calculator to figure out if you might be at risk of being denied a loan.  In general, lenders apply certain rules when evaluating someone that has applied for credit.  In the mortgage industry, they use a rule of 32 which states that the total of all your monthly debt payments cannot exceed 32% of your monthly income.  When debt ratios approach 40%, the chances of you being denied credit or a loan are high.

You can use this free debt reduction calculator to figure out how much money you might be able to save and the number of months that are eliminated by paying more money each month towards reducing your debt.

You can use this free lump sum debt reduction calculator to figure out how much money you might be able to save and the number of months that are eliminated by making a one-time, lump sum payment towards reducing your debt.

You can use this student loan payoff calculator to estimate how long it will take to pay off your student loans.  Using the interest rate and outstanding student loan amount, the calculator will tell you the number of months it will take to pay off the loan at a given monthly payment amount.

You can use this simple college cost calculator to estimate how much it will cost to attend college at a future point in time.

You can use this college fund calculator to estimate how much college will cost in the future and if you're saving for college, then the calculator also figures out how much you will have in your college fund each year to pay for tuition, room and board.