Know the real cost of any loan before you sign

A monthly payment is only the beginning. Loan Calculations shows the total interest, the payoff date and the break-even on every kind of borrowing — mortgage, auto, business, credit cards — with 33 free tools and no signup standing between you and the numbers.

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Loan Calculations — every borrowing number, freeMortgage, auto, payoff & refinance tools. No signup, ever →

Mortgage & home loans

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Mortgage Payment Calculator

Monthly payment with taxes and insurance, total interest, payoff schedule.

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Home Affordability Calculator

The home price your income, debts and rate can honestly support.

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Refinance Calculator

New payment, total savings, and the month the refi pays for itself.

Car, business & other loans

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Car Loan Calculator

Payments, total interest and the true cost of driving it off the lot.

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Business Loan Calculator

Payments, total cost and a full amortization view for business borrowing.

Debt payoff & credit cards

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Debt Payoff Calculator

Your debt-free date at any payment — and the interest you avoid by paying more.

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Credit Card Payoff Calculator

How long a balance really takes to clear, and what it costs you.

Rates, interest & returns

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Compound Interest Calculator

What interest does for you when you are the one earning it.

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ROI Calculator

Return on any investment, with the annualized rate.

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Savings Goal Calculator

The deposit plan that reaches your target date.

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Cap Rate Calculator

Rental returns measured the way investors measure them.

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Cash-on-Cash Return Calculator

Annual return on the actual cash you put in.

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Rental Property Analyzer

Mortgage math plus cap rate and cash flow in one full deal analysis.

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Break-Even Calculator

The sales volume where a venture starts paying for itself.

Income, tax & work

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Hourly to Salary Converter

Hourly wage to annual salary and back — the income side of any loan application.

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Salary Raise Calculator

What a raise does to your monthly budget and borrowing power.

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Freelance Hourly Rate Calculator

Set a freelance rate that covers taxes, downtime and profit.

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Quarterly Tax Estimator

Estimated quarterly payments for self-employment income.

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Mileage Deduction Calculator

Business miles turned into an estimated tax deduction.

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Invoice Generator

Professional invoices for the income that services the loan.

Everyday calculators

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Discount Calculator

Sale price and savings, with tax included when you need it.

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Sales Tax Calculator

Add or remove sales tax from any amount.

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Tip Calculator

Tip and split for any bill size and party.

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Unit Price Calculator

Compare cost per unit across package sizes.

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BMI Calculator

Body mass index in imperial or metric units.

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Age Calculator

Exact age and days lived.

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GPA Calculator

Grade point average from your course grades.

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Word Counter

Words, characters and reading time.

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Password Generator

Strong passwords, generated locally on your device.

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Time Duration Calculator

Time between two times, or durations added up.

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Paint Coverage Calculator

Paint needed for rooms and coats.

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Deck Material Estimator

Materials estimate for a deck build.

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Moving Cost Estimator

What a move will cost, movers or DIY.

Why Loan Calculations?

Lenders quote the payment; we show the whole loan. Every borrowing tool here spells out total interest and the payoff date next to the monthly figure, runs entirely in your browser, and asks for nothing in return — no account, no email, no lead form. The numbers are estimates, not loan offers, which is exactly why they are honest ones.

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Loan Calculations — every borrowing number, freeMortgage, auto, payoff & refinance tools. No signup, ever →