Loan calculators
Three calculators that do the math you actually need before signing a loan agreement. Run the numbers, see the trade-offs, and verify what a lender has quoted you.
Submitting your information will not affect your credit score. Lender criteria, terms, and rates vary.
Loan repayment calculator
Calculate your monthly payment, total interest, and full amortization schedule for personal installment loans.
Open calculator →APR calculator
See the true APR of a loan offer including fees, or back-calculate APR from a quoted monthly payment.
Open calculator →Affordability calculator
See how much loan you can comfortably afford based on your income and existing monthly debt payments.
Open calculator →How to use these together
Each calculator answers a different question. The right one depends on where you are in the process:
- Start with the affordability calculator if you're trying to figure out how much you can borrow without overstretching your budget.
- Use the repayment calculator when you know roughly the amount you want and you're seeing how different terms or rates affect monthly payment and total cost.
- Use the APR calculator when you have specific loan offers in front of you and you want to verify the true cost including fees, or compare offers with different fee structures.
The numbers from these calculators are estimates based on the inputs you provide. Actual loan offers depend on lender criteria, your full credit profile, your state of residence, and other factors that vary. Use these to plan and compare, but the lender's federal Truth-in-Lending disclosure (the TILA box) is what to look at when you have a specific offer to evaluate.
Ready to see your loan options?
Submitting your information takes about two minutes and will not affect your credit score.
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