Loans Calculators
Monthly payments, amortization schedules, interest costs, and payoff timelines. All 5 tools run entirely in your browser — no sign-up, no data stored.
All Loans Tools
Loan Payment Calculator
Calculate monthly loan payments for any principal, interest rate, and loan term.
Loan Interest Calculator
Find out the total interest paid over the life of a loan with full amortization detail.
Loan Payoff Calculator
See how long it takes to pay off a loan and the total cost at your current payment.
Extra Payment Loan Calculator
Calculate how extra monthly or lump-sum payments reduce your loan term and total interest.
Loan Amortization Calculator
Generate a full month-by-month amortization schedule for any loan.
Frequently Asked Questions
How is a monthly loan payment calculated?
Using the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n - 1], where P is principal, r is monthly interest rate, and n is number of payments.
What is an amortization schedule?
A month-by-month table showing each payment split between principal and interest, plus the remaining balance. Early payments are mostly interest; later payments shift toward principal.
How much interest do extra payments save?
Even small extra payments reduce the principal faster, shortening the loan term and cutting total interest significantly. The extra payment calculator shows the exact savings.
What is the difference between APR and interest rate?
The interest rate is the cost of borrowing the principal. APR (Annual Percentage Rate) includes the interest rate plus fees (origination, points, etc.), giving the true annual cost of the loan.