Payment Calculator
Free calculators for the biggest borrowing decisions most people make: buying a home, refinancing, financing a car, and paying down debt. Every one shows the full cost, not just the monthly payment.
Buying or owning a home
Mortgage Calculator
Estimate your monthly mortgage payment including principal, interest, property tax, home insurance, PMI, and HOA fees.
Home Affordability Calculator
Find out how much house you can afford from your income, debts, and down payment, using the 28/36 debt-to-income rule lenders use.
Refinance Calculator
See whether refinancing your mortgage saves money: new payment, monthly savings, break-even point on closing costs, and lifetime interest.
Loans and debt
Loan Calculator
Calculate monthly payments and total interest for any fixed-rate loan: auto, personal, student, or other.
Auto Loan Calculator
Calculate your car payment including sales tax, fees, trade-in, and negative equity, and compare 36- to 84-month terms side by side.
Credit Card Payoff Calculator
See how long it will take to pay off a credit card balance and how much interest you'll pay, or find the monthly payment needed to be debt-free by a target date.
Why the total cost matters
Lenders, dealers, and card statements all lead with the monthly payment, because it's the number that decides whether something feels affordable. But the same loan can have very different total costs depending on the rate and the term. Stretching a car loan from 60 to 84 months, or choosing a 30-year mortgage over a 15-year one, lowers the payment while adding thousands, sometimes hundreds of thousands, in interest.
That's why every calculator here shows total interest alongside the payment, and most include a full amortization schedule or a side-by-side comparison. The mortgage calculator includes property tax, insurance, PMI, and HOA fees, since those can add hundreds of dollars a month to a principal-and-interest estimate. The auto loan calculator handles sales tax, fees, and trade-in equity the way a dealer does.
All calculations run in your browser, and nothing you enter is stored or sent anywhere. The results are estimates for planning. For a real decision, compare them against the official Loan Estimate or disclosures from your lender.
Guides
All guides →Sep 24, 2026
How much house can I afford? The 28/36 rule explained
How lenders use debt-to-income ratios to size your mortgage, a worked example on a $90,000 income, and what the ratios leave out.
Sep 24, 2026
15-year vs. 30-year mortgage: what the lower payment really costs
A 30-year mortgage has a lower payment; a 15-year mortgage can save six figures in interest. A worked comparison, plus the case for each.
Sep 24, 2026
How credit card interest works, and why minimum payments take so long
Daily periodic rates, grace periods, and minimum payment math, with a worked example showing how a fixed payment cuts years off a credit card balance.
Aug 10, 2026
How amortization actually works: why your early payments are mostly interest
A fixed-rate loan charges the same payment every period, but the interest-versus-principal split shifts dramatically over the loan's life. Here's why.