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Loans calculators

Work out what borrowing really costs: monthly payments, total interest, amortisation schedules and the break-even point where a refinance or a purchase starts paying off.

Auto Loan Calculator Calculate a car loan payment from the vehicle price, down payment, trade-in value, APR and term Credit Card Payoff Calculator See how long a credit card balance takes to clear at a fixed monthly payment, and how much interest you pay Loan Payment Calculator Work out the monthly payment, total repayment and total interest on any fixed-rate loan Mortgage Affordability Calculator Estimate the home price you can afford from your income, existing debts and down payment, using the standard 28/36 debt-to-income rules lenders apply Mortgage Amortisation Calculator See exactly how a fixed-rate mortgage is paid down: monthly payment, first-month principal and interest, and a year-by-year amortisation schedule down to a zero balance Mortgage Payment Calculator Calculate the principal-and-interest payment on a fixed-rate mortgage, plus total interest and total cost Refinance Break-Even Calculator Find the break-even point of a refinance from the new payment, closing costs and the months until the monthly savings repay the fees Rent vs Buy Calculator Compare the real cost of renting and buying over the same number of years, including mortgage interest, taxes, insurance, maintenance, rent increases and home equity Student Loan Calculator Calculate the standard repayment payment on a student loan and see total interest

What you can calculate

Every calculator in this section uses the same core idea: a fixed-rate loan has a constant payment, and each payment splits between interest on the outstanding balance and principal that reduces it. Because interest is charged on the balance, the split changes every month even though the payment does not.

Start with the payment calculator for a quick cost check, then use the amortisation tool to see how the balance actually falls. The affordability and rent-vs-buy tools are different: they answer “should I borrow this much at all?” rather than “what will it cost?”.

Frequently asked questions

Are these calculators free?

Yes. Every calculator on this site is free, needs no account and runs entirely in your browser.

How accurate are the results?

Each page states its assumptions and shows a worked example. The formulas are standard industry formulas, but real-world results depend on fees, taxes and individual circumstances.

Do you store what I type?

No. The calculation runs in your browser and nothing is submitted to a server.

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