LOAN & DEBT CALCULATORS

Loan & Debt Calculators

Free loan and debt calculators — 21 calculators covering home buying (mortgage, refinance, borrowing power, deposit savings, mortgage insurance, transfer tax, home equity, DTI), debt management (credit card payoff, debt consolidation, lump sum, balloon, interest-only vs P&I, car loan vs cash, bridging), and Australian specialties (split loan, offset account, HECS HELP). Industry-standard math, 25 currencies, no signup.

Loans look simple on the surface — borrow money, pay it back — but the math behind your monthly payment and total interest is where the real decisions get made. Our loan and debt calculators all run the standard amortization formula every bank uses, verified against industry references like Calculator.net and Bankrate. Compare offers, plan payoff strategies, or run quick “what if” scenarios.

CALCULATORS IN THIS CATEGORY
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LOAN & DEBT
Loan Calculator
Estimate monthly payment, total interest, and total cost for any loan — auto, personal, student, business, or mortgage. Includes amortization schedule.
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LOAN & DEBT
Loan Payment Calculator
Calculate your exact loan payment in seconds. Switch between monthly, biweekly, and weekly schedules to see total cost differences.
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LOAN & DEBT
Simple Loan Calculator
Three inputs, one clean answer. Get your loan payment and total interest fast — no fluff, no extra fields, just the math you need.
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LOAN & DEBT
Mortgage Calculator
Monthly mortgage payment with PITI breakdown — principal, interest, property tax, and home insurance. Universal, works for any country.
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LOAN & DEBT
Refinance Calculator
Compare current mortgage to refinance scenario. See monthly savings, break-even months, and net total savings after closing costs.
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LOAN & DEBT
Borrowing Power Calculator
Find your maximum mortgage based on income, debts, and DTI. See max home price at 5%, 10%, and 20% down.
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LOAN & DEBT
Mortgage Insurance Calculator
Estimate US PMI/MIP (monthly), Australian LMI, or Canadian CMHC (one-time). Toggle modes; universal coverage.
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LOAN & DEBT
Property Transfer Tax Calculator
Stamp duty, SDLT, Grunderwerbsteuer, US transfer tax — universal flat-rate with first-home concession support.
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LOAN & DEBT
Credit Card Payoff Calculator
Find exactly how long until your credit card is paid off and total interest. Includes doubled-payment comparison.
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LOAN & DEBT
DTI Ratio Calculator
Find your debt-to-income ratio and see whether you’ll qualify for mortgages, auto loans, and other credit at common DTI thresholds.
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LOAN & DEBT
Home Equity Calculator
Calculate your home equity, current LTV, and maximum HELOC or cash-out refinance amount based on lender LTV cap.
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LOAN & DEBT
Deposit Savings Calculator
Plan exactly when you will have your home deposit ready. Compound interest growth model with monthly contributions.
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LOAN & DEBT
Debt Consolidation Calculator
Compare current debts vs a consolidation loan side-by-side. See monthly savings, interest savings, and total savings.
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LOAN & DEBT
Balloon Payment Calculator
Calculate monthly payment and balloon due at end of term for balloon loans. Common in commercial real estate.
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LOAN & DEBT
Lump Sum Repayment Calculator
See exact interest and time saved by making a one-time lump sum payment on your mortgage, auto loan, or personal loan.
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LOAN & DEBT
Interest-Only vs P&I Calculator
Compare interest-only (IO) vs principal & interest (P&I) loans. See the payment shock when IO converts.
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LOAN & DEBT
Car Loan vs Cash Calculator
Compare paying cash for a car vs financing it. See the financing premium, monthly payment, and total interest.
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LOAN & DEBT
Bridging Loan Calculator
Short-term financing to bridge buying a new home before selling old. See monthly interest, setup fees, total cost.
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LOAN & DEBT • AU
Split Loan Calculator (AU)
Australian split mortgage — combine fixed and variable rate portions, see combined payment and blended rate.
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LOAN & DEBT • AU
Offset Account Calculator (AU)
See how an offset balance reduces your mortgage interest and shortens the loan. Cornerstone of AU smart mortgage strategy.
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LOAN & DEBT • AU
HECS HELP Repayment Calculator (AU)
Australian student loan calculator. See years to payoff, indexation cost, and bracket-based repayment using current ATO thresholds.
💡 HOW TO USE THIS CATEGORY

Start with the situation closest to yours: buying a home → start with Borrowing Power, then Mortgage. Already own → Refinance, Home Equity, Lump Sum Repayment. Debt management → Credit Card Payoff or Debt Consolidation. In Australia → use the three AU-specific calculators alongside the universal ones.

Other calculator categories

Different money question? Try a different category

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PERSONAL FINANCE
Budget, savings, salary
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INVESTMENT
Compound interest, growth, DCA
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TAX
Self-employment, take-home pay
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RETIREMENT
401(k), IRA, FIRE, pensions
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ALL CALCULATORS
See the full library
⚠️ DISCLAIMER

Loan and debt calculators are educational tools only. Not financial advice, not a loan offer or quote. Always consult a qualified lender or financial advisor for decisions about borrowing. Last reviewed: May 2026. See full disclosure.