Loans & Debt
Understand the true cost of borrowing, build a debt payoff plan, and see what overpaying saves.
Loan Repayment Calculator
Monthly payments and total interest on personal and auto loans — and how much overpaying saves.
US Auto Loan Calculator
Calculate a car payment with vehicle price, sales tax, fees, rebates, trade-in equity, APR, and optional extra payments.
Credit Card Repayment Calculator
Your debt-free date, the interest cost, and how much a fixed payment saves over minimums — or set a payoff date and get the required amount.
PCP vs HP Calculator
Compare car finance side by side: monthly payments, total interest, the cost to own, and what handing the car back really costs.
Car Budget Calculator
Determine how much car you can afford based on income rules of thumb (like the 20/4/10 rule) or target monthly payments.
Debt Payoff Calculator
Compare snowball vs avalanche, see your debt-free date, and get the payoff order for every debt.
US Student Loan Repayment Calculator
Compare Standard, Extended, and SAVE income-driven repayment plans for US federal student loans.
Auto Lease vs. Buy Calculator
Compare the total costs, depreciation, and residual value of leasing a vehicle versus buying with a loan.
Debt-to-Income (DTI) Ratio Calculator
Compute front-end and back-end debt-to-income ratios and evaluate loan qualification risk.
UK Student Loan Repayment Calculator
Calculate UK student loan monthly payments, interest charges, and write-off years for Plans 1, 2, 4, 5, and Postgraduate loans.
Degree vs Apprenticeship Calculator
Compare the lifetime financial outcome of going to university versus doing an apprenticeship in the UK, including tuition costs, student loan repayments, and break-even age.
Amortization Calculator
Build a full amortization schedule for any fixed-rate loan or mortgage, with calendar payment dates, total interest, and the effect of extra payments.
Debt Consolidation Calculator
Compare paying off multiple debts at their current minimum payments against rolling them into a single new consolidation loan.