Loan Calculator

Loan Calculator & Payment Calculator - Mortgage, Auto, Personal & Business Loan Calculator

This Loan Calculator app helps you work out exactly what a loan will really cost you before you sign anything. Use it as a Home Loan Calculator, Auto Loan Calculator, Personal Loan Calculator, Business Loan Calculator, or Education Loan Calculator - one app covers every loan type you'll ever need to plan around.

Enter the amount, the interest rate and the term, and you'll get your monthly payment instantly, along with the full picture: total interest, total repayment, and a month-by-month amortization breakdown. It works as a Mortgage Calculator, Car Loan Calculator, Student Loan Calculator and Monthly Payment Calculator, in your own currency and language - available in English, German, Spanish, French, Italian, Dutch, Portuguese and Swedish, with support for USD, EUR, GBP, CAD, AUD, AED, SAR and more.

Your loan dashboard keeps every active loan you're tracking in one place, so you can see your total debt, your monthly payments and what's left to pay off at a glance, instead of digging through bank statements or old spreadsheets.

If you're thinking about paying extra toward your loan, the prepayment calculator shows you exactly what that decision is worth - how many months you'd shave off, and how much interest you'd actually save. It's the clearest way to answer "is it worth paying this off early?" without doing the math yourself.

Comparing two loan offers side by side is often where people lose money without realizing it - a lower rate isn't always the cheaper loan once fees and terms are factored in. The comparison tool lays both offers out clearly so you can see which one actually costs less over time.

For anyone wondering whether refinancing makes sense, the refinance calculator (Premium) weighs your current loan against today's rates and tells you whether switching would actually save you money, not just whether the new rate looks lower.

Every loan calculation includes a full amortization schedule, breaking down exactly how much of each payment goes toward principal versus interest, month by month, for the entire term of the loan. You can save any calculation and come back to it later instead of recalculating from scratch.

For context on whether your numbers are reasonable, Premium unlocks market average loan amounts and interest rates by country, updated regularly, plus AI-powered smart insights that look at your specific loan and tell you, in plain language, whether it's a healthy amount relative to typical borrowing in your market.

Common ways people use this app:

- Working out a mortgage or home loan payment before making an offer
- Comparing car loan or auto loan quotes from different lenders
- Planning a personal loan for debt consolidation or a major expense
- Estimating payments on a business loan or SME loan
- Budgeting for a student loan or education loan
- Deciding whether a mortgage refinance is actually worth it
- Building out a full amortization schedule for any existing loan

No banker required, no spreadsheet needed - just clear numbers you can trust before you commit to anything.

This free loan calculator also doubles as a simple financial calculator for everyday budgeting - checking how a new car payment fits your budget, whether a personal loan offer is affordable, or what total interest you'd pay on an installment loan. If you've searched for a loan interest rate calculator, debt payoff calculator, car payment calculator, or mortgage payoff calculator, this covers that too.

It works as a Home Loan Calculator and Mortgage Payment Calculator for buyers in the US, the UK, Canada, Australia, Ireland, New Zealand and South Africa, and as a general-purpose loan and credit calculator anywhere else, with interest rate data reviewed regularly to stay close to real market conditions.

Free to use, with optional Premium features. Works offline. Your financial data stays on your device.