Debt Calculators
Calculate monthly payments and total interest on personal loans, student loans and auto loans — then plot the fastest path out of credit-card and installment debt.
All debt tools
0 toolsHow to pick the right debt tool
Borrowing decisions: Before taking a personal loan, the Personal Loan Calculator shows the exact monthly payment and total interest at any rate and term. The Student Loan Calculator shows your payoff date and total interest — and how extra payments cut years off the timeline. Before buying a car, the Auto Loan Calculator reveals the full interest cost at any term and rate.
Payoff strategy: The Debt Snowball Calculator shows the month-by-month payoff order from smallest to largest balance — great for motivation. For targeting the highest-interest debt first (the avalanche method), use the Credit Card Payoff Calculator. The Loan Payoff Calculator covers any fixed-rate installment loan.
Qualifying & accelerating: Before applying for a mortgage, run the Debt-to-Income Ratio Calculator — most conventional lenders require a back-end DTI under 43%. The Mortgage Extra Payment Calculator shows exactly how many years you save by adding any amount to your monthly payment.