Loans & Debt

Mortgage, loan, and debt payoff calculators

This collection of six loan and debt calculators covers the most common borrowing and repayment scenarios. The Mortgage Amortization Calculator generates a complete month-by-month schedule showing how each payment splits between principal and interest over the life of your loan. The Mortgage Prepayment Calculator reveals how extra payments — whether monthly, yearly, or as a lump sum — can dramatically reduce your total interest and shorten your loan term. The Loan Payment Calculator handles any type of installment loan (auto, personal, student) and shows your monthly payment, total interest, and full amortization schedule. The Credit Card Payoff Calculator compares the snowball and avalanche repayment strategies side by side, so you can see which approach saves the most money or pays off debt the fastest. The Debt Payoff Planner takes this further across multiple debts at once: enter every balance and it compares the snowball and avalanche strategies side by side, then maps the exact order to clear them and the interest each approach saves. The Target Date Payoff Calculator works backward from your desired payoff date to determine the exact monthly payment needed to eliminate your debt on time.

Every calculation runs entirely in your browser. Your loan balances, interest rates, income details, and payment amounts are never sent to any server — your financial data stays completely private. No account or sign-up is needed, and you can use these tools as often as you like. All calculators use the standard amortization formula used by banks and mortgage lenders, so the results you see match what a financial professional would calculate. Try different scenarios to see how changes in interest rate, extra payments, or loan term affect your total cost and payoff timeline.