Debt & Loan Calculators
Credit cards, car loans, student loans and personal loans — what each one costs to carry, and which order to attack them in.
In this section
11 calculators- True APRAn APR calculator that turns a quoted rate plus points and fees into the rate you are really paying, with the full cost of credit broken down.Calculate
- Auto loanAn auto loan calculator that works the payment from what you actually finance, price plus sales tax and dealer fees, less trade-in and deposit, with the full schedule.Calculate
- Balance transfer breakevenIs a balance transfer worth it? Compare the interest a 0% period saves against the fee to move the balance, and find the exact fee where it stops paying.Compare
- Car loan payoff vs. investShould you pay off your car loan or invest? Find the exact return an investment must beat after tax, with both net-worth paths on the same monthly budget.Compare
- Consolidation vs. paying directIs a debt consolidation loan worth it? Compare it against paying your debts down highest-rate-first on the same budget, with the origination fee counted.Compare
- Credit card payoffA credit card payoff calculator showing how long a balance takes to clear at any payment, against the minimum, and what the difference costs in interest.Calculate
- Snowball vs. avalancheDebt snowball or avalanche? Compare both across all your debts on the same monthly budget, and see exactly what ordering by balance instead of rate costs.Compare
- Emergency fund vs. debtEmergency fund or pay off debt first? See what the cushion costs in interest, how many months of exposure it removes, and the price per month of cover.Compare
- Savings vs. debt paydownHigh-yield savings or pay off debt? Find the APY your debt rate forces a savings account to beat once income tax is taken, over the same horizon.Compare
- Loan paymentA loan calculator giving the monthly payment, the total interest, the share of every dollar that is interest, and what paying extra each month would save.Calculate
- Student loan payoff vs. forgivenessPay off student loans or wait for forgiveness? Compare both on the same budget, with the forgiven balance, the tax bill it triggers and whether you can cover it.Compare
Every calculator on FinCalculate shows the formula it used, states what it assumes and links the sources behind it. How these are built.