Loan Tools: Work Out Your Numbers Before You Borrow
Run the math step by step, in plain language. Each tool walks you through your loan numbers so you can borrow with confidence — no surprises later.
How to use these tools
Start with your monthly payment. Enter any loan amount, rate, and term to see exactly what you would pay each month and over the life of the loan.
Work backward from your budget. The affordability tool tells you how much you can borrow if you know what you can comfortably pay each month.
Compare before you sign. Line up to three offers side by side and pick the one with the lowest total cost that still fits your budget.
Monthly Payment (EMI) Calculator
Find your monthly payment, total interest, and total cost for any loan amount, rate, and term.
Mortgage Calculator
Enter home price, down payment, rate, and term to see your loan amount and monthly mortgage payment.
Loan Affordability Calculator
Start from your monthly budget and work backward to the maximum loan amount you could afford.
Total Interest Cost Calculator
See the true price of borrowing: total interest and total repayment, with a principal vs. interest split.
Early Payoff Calculator
Test extra monthly payments and see exactly how many months and how much interest you would save.
Loan Comparison Calculator
Put up to three loan offers side by side and find which one is cheapest overall.
Refinance Calculator
Compare your current loan with a refinance offer: new payment, monthly saving, break-even point, and total interest.
Auto Loan Calculator
Enter vehicle price, down payment, trade-in, rate, and term to see your monthly payment and the true cost of the car.
Credit Card Payoff Calculator
See how many months your balance takes to clear, the interest you will pay, and a warning if your payment is too low.
Debt-to-Income Ratio Calculator
Add up your monthly debts against your income and see your DTI with plain guidance bands.
Keep reading: borrower guides
How to Calculate Your Monthly Loan Payment by Hand: Step by Step
How Does Loan Term Affect Monthly Payments and Total Cost
What Is the Total Cost of a Loan? How to Figure It Out
Estimates only, not financial advice. Check final terms with your lender.