Personal Loans Calculators

Plan, compare, and pay down personal debt with clarity. Model monthly payments and full amortization, test prepayment strategies, evaluate APR and consolidation scenarios, and check affordability with DTI. Transparent math and instant results help you choose the smartest path.

Core Personal Loan Tools

Loan Amortization Schedule Calculator

Generate full schedules with principal/interest by period.

Loan Payoff Calculator

See payoff dates and interest saved with extra payments.

Personal Loan Calculator

Estimate monthly payment, total interest, and timeline.

Simple Loan Calculator

Quick PMT calculation by amount, rate, and term.

Cost & Rate Analysis

APR Calculator

Compute true annual cost including fees and compounding.

Balloon Loan Calculator

Model low payments now and a balloon balance at term.

Debt Consolidation Calculator

Compare current debts vs. a single consolidation loan.

Debt-to-Income (DTI) Ratio Calculator

Check monthly obligations vs. gross income for eligibility.

Interest-Only Loan Calculator

Payments during IO period and balance once amortizing.

Comparisons & Payoff Strategies

Credit Card Payoff Calculator

Estimate payoff time and interest by payment strategy.

Loan Comparison Calculator

Side-by-side costs, APRs, and break-evens across loans.

Loan Prepayment Calculator

Test one-time or recurring extra payments on total cost.

This content is for educational purposes and does not constitute financial advice. Check lender terms and local regulations before borrowing.