Loans & credit
Instalments, total interest and amortisation schedules for mortgages, car loans and consumer credit. 25 tools, including APR Calculator, APR to APY Calculator, APY to APR Calculator and Balloon Loan Calculator. All free, with no account and nothing to install.
APR CalculatorCompute the true APR of a loan including fees, plus the monthly payment and total cost.APR to APY CalculatorConvert a nominal APR into the effective APY for any compounding frequency.APY to APR CalculatorConvert an effective APY back into the nominal APR for any compounding frequency.Balloon Loan CalculatorWorks out the instalment and the balloon lump sum for a loan amortised over one term but repaid in full after a shorter one. The balloon is the true remaining principal after k payments, not the amount borrowed minus the payments made — the two differ by tens of thousands. Interest-only balloons are handled too, with the full schedule.Biweekly mortgage payment calculatorPaying half your monthly mortgage every two weeks means 26 half-payments — the equivalent of 13 monthly payments a year instead of 12. That extra payment goes straight to principal, so you finish years early and save interest. The calculator compares biweekly against standard monthly and shows the time and interest saved.Boat loan calculatorEstimate the monthly payment on a boat loan from the purchase price, down payment, trade-in, sales tax and APR. It works out the amount financed, the monthly payment, the total interest over the term and the total cost, so you can size a marine loan before you sign.Borrowing capacity calculatorEstimate how much you can borrow from your income (35% debt ratio).Business Loan CalculatorPrices a business loan the way it actually costs: the origination fee is deducted from what lands in the account but interest is charged on the full face amount, so the real APR is above the quoted rate. The tool solves for that effective rate, and an optional extra monthly payment shows the months and the interest it removes.Car Loan CalculatorEstimate your monthly car payment, total interest and total cost from the price, down payment, rate and term.Car Loan Payoff CalculatorHow long to pay off your car loan, total interest and payoff date — plus the effect of an extra payment.Credit card interest calculatorFind the monthly payment and total interest to clear a card balance in a set time.Credit Card Payoff CalculatorTime to clear a card balance from a fixed payment — or the payment needed to clear it by a target date.Credit utilization ratio calculatorCompute your credit utilization ratio from card balance and credit limit.Debt Consolidation CalculatorList your debts and a consolidation loan to see if it lowers your monthly payment and total interest.Debt Payoff Calculator (Avalanche vs Snowball)Add every debt you owe with its balance, rate and minimum, add whatever you can pay on top, and the tool simulates both classic orders month by month: avalanche attacks the highest rate, snowball the smallest balance. Avalanche always costs less interest; snowball usually clears the first debt sooner. Both numbers are shown so the choice is yours.Debt-to-income ratio calculatorCompute your debt-to-income ratio and remaining monthly borrowing room.EMI calculator (equated monthly instalment)The fixed monthly payment on a loan — principal and interest combined — plus the total interest and total amount over the term. EMI = P·r·(1+r)ⁿ / ((1+r)ⁿ − 1).Loan calculatorCompute the monthly payment and total cost of a personal loan.Loan Comparison CalculatorCompare two loans side by side — monthly payment, total interest and total cost — to find the cheaper one.Loan payoff calculatorFind out how many months it takes to pay off a loan and the total interest.Loan-to-Deposit Ratio CalculatorA bank's loans divided by its customer deposits, with the funding gap and what a ratio above 100% really means for liquidity risk.Mortgage calculatorCompute your monthly mortgage payment, total cost and interest.Motorcycle loan calculatorEstimate the monthly payment on a motorcycle loan. Enter the price, down payment, any trade-in, sales tax, APR and the term in months, and it returns the amount financed, the monthly payment and the total interest you'll pay.Personal Loan CalculatorMonthly payment, total interest and full schedule for a personal loan given in months rather than years. The extra-payment field is the interesting one: it recomputes the whole schedule rather than scaling it, and reports exactly how many months and how much interest the extra removes.Student Loan Payoff CalculatorMonths to clear your student loan, total interest and payoff date, with an optional extra payment.