Loan Calculators
Compare auto, personal, student, and business loans so you understand the full cost before signing.
Auto, personal, student, and business loans all share the same underlying math — the differences are in fees, term length, and how aggressively lenders mark up the APR.
The single most important thing you can do when comparing loan offers is to look at APR (which includes fees) and total interest, not just the monthly payment. Dealers and lenders often negotiate around the monthly number specifically because it hides total cost.
Use these calculators to translate any quoted rate, term, or fee structure into the numbers that actually matter: financed amount, total interest paid, and what the loan costs you in absolute dollars.
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Estimate your monthly car payment with down payment, trade-in value, sales tax, and fees built in.
Estimate the monthly payment, total interest, and total cost of a personal loan at any rate and term.
Calculate the true APR of a loan when origination fees, points, and other financed costs are included — the number that actually compares two offers.
Compare two loan offers side by side — monthly payment, total interest, total cost including fees, and effective APR.
Estimate monthly student loan payment, total interest, and the impact of an extra monthly payment on payoff time and lifetime cost.
Estimate monthly payments, total interest, and the true cost of a business loan including origination fees and other upfront charges.
Calculate simple interest, total repayment, and the equivalent monthly payment using the I = P × r × t formula common with auto and short-term loans.
Estimate the monthly payment and final balloon amount for a balloon loan, plus a side-by-side comparison with a fully amortizing loan over the same term.
This calculator is for educational and estimation purposes only. It does not provide financial, mortgage, tax, investment, or legal advice. Actual rates, payments, taxes, fees, insurance costs, eligibility, and loan terms vary by lender, location, credit profile, and market conditions. Always compare official offers and consult a qualified professional before making financial decisions.
Last updated June 2026 · Prepared by the mCalculator Editorial Team