Loans & Debt calculators
Choose a task, enter your assumptions and inspect how the result is calculated.
Loan EMI Calculator
Estimate a fixed monthly loan payment, total interest and the effect of extra principal payments.
Open calculator →Loans & DebtLoan Payoff Calculator
Find the number of monthly payments needed to clear a balance, including an adjusted final payment.
Open calculator →Loans & DebtDebt-to-Income Ratio Calculator
Express monthly debt payments as a percentage of monthly gross income.
Open calculator →Loans & DebtCredit Utilization Calculator
Calculate the percentage of a revolving credit limit used by an outstanding balance.
Open calculator →Loans & DebtBlended Interest Rate
Calculate a balance-weighted nominal rate across two loans.
Open calculator →Loans & DebtFlat-Rate Loan Cost
Calculate a flat-interest repayment and distinguish it from a reducing-balance quote.
Open calculator →Loans & DebtRefinance Break-Even
Estimate a simple payback time for upfront refinancing costs from monthly payment savings.
Open calculator →Loans & DebtLoan Affordability
Solve the loan amount supported by a chosen payment budget; this is not a lender approval.
Open calculator →Loans & DebtInterest-Only Loan
Model an interest-only period with full principal redemption at its end.
Open calculator →Loans & DebtBalloon Loan
Calculate reduced installments and the larger final payment for a partially amortizing loan.
Open calculator →Loans & DebtEqual Principal Loan
Build declining payments with an equal amount of principal repaid each month.
Open calculator →Loans & DebtLoan Comparison
Compare payments and lifetime cash costs without confusing a lower installment with a cheaper loan.
Open calculator →Loans & DebtRefinance Total-Cost Comparison
Evaluate payment reduction and lifetime remaining cost together, including a possible term extension.
Open calculator →Loans & DebtFee-Inclusive Loan Cost
Estimate the cash-flow borrowing rate when fees reduce the cash you receive.
Open calculator →Loans & DebtTwo-Stage Variable-Rate Loan
Model a single rate reset and inspect the change in installments and remaining interest.
Open calculator →Loans & DebtVehicle Lease Payment Model
Estimate an untaxed lease payment from adjusted capitalized cost, residual and money factor.
Open calculator →Loans & DebtCredit Card Minimum-Payment Payoff
See how a percentage-based minimum declines and changes the payoff time.
Open calculator →Loans & DebtBalance Transfer Comparison
Compare total cash cost and payoff time, including the transfer fee and expiry of the promotional period.
Open calculator →Loans & DebtDebt Avalanche vs Snowball
Compare two repayment orders using the same fixed monthly budget and entered debts.
Open calculator →