Loan calculators
Five calculators, one shared calculation engine and one shared set of explainers. Each one covers a different kind of borrowing rather than a different cosmetic preset — the mortgage calculator folds in property tax, insurance and mortgage insurance; the auto calculator builds the amount financed from a trade-in and sales tax; the personal loan page starts from the fee that never appears in the headline rate.
Every figure on every page comes from the same code, and every number quoted in the explanatory text was recomputed independently before publication. Nothing here asks for an email address or a signup.
Mortgage calculator
Monthly payment with property tax, home insurance, HOA and PMI folded in — the number that actually leaves your account, not just principal and interest.
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VehicleAuto loan calculator
Work out the amount financed from price, down payment, trade-in and sales tax, then see what the monthly payment really costs over 48, 60 or 72 months.
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UnsecuredPersonal loan calculator
Unsecured borrowing at the rates lenders actually quote, with the origination fee maths that decides whether the money is worth taking.
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EducationStudent loan calculator
Payment and total interest on a student loan, plus what a modest extra monthly payment does to the payoff date — the cheapest interest saving there is.
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BreakdownAmortization schedule
The full month-by-month and year-by-year breakdown of a fixed-rate loan, and how much interest an extra payment removes from the end of it.
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Start with the general loan calculator
If you just want a payment figure and a full schedule for a fixed-rate loan, the general loan calculator does that in one screen. The five calculators above add the parts that differ by product — tax treatment, trade-ins, origination fees and the like.
Then read the guide that goes with it
A calculator answers “how much”. These answer “should I” — each one works through real figures rather than rules of thumb.
- How loan amortization works — The formula term by term, a worked month-by-month example, when principal finally overtakes interest, and why extra early payments save so much.
- How to compare loan offers — Why the headline rate is not the comparison, the three numbers that are, and how to work out whether discount points are worth paying.
- APR vs interest rate — What each number actually measures, what APR leaves out, and the cases where comparing APR will lead you to the wrong lender.
- Biweekly payments: what they really save — How paying half your mortgage every two weeks works, the exact saving on a worked loan, and the fees and pitfalls to avoid first.
- Refinance break-even point — How to work out the month a refinance pays for itself, why a shorter term can raise your payment and still save six figures, and when not to refinance.
Reviewed by LoanCalcly Editorial · Last reviewed September 20, 2026. Every calculator here produces an estimate and nothing on this site is financial advice. Spot an error? Tell us — see also our disclaimer.