Financial calculators
These calculators use standard finance formulas on the figures you enter. Nothing is pre-filled with provider data, and no result indicates what any lender would offer you. Use them to understand the shape of a cost, then confirm the real numbers with the provider's own disclosure.
Dedicated calculators
Personal loan calculator
Enter a loan amount, annual interest rate and term to estimate the scheduled monthly payment and the total cost of a fixed-rate personal or installment loan.
Debt payoff calculator
Enter a balance, its interest rate and the amount you can pay each month to estimate how long repayment takes and what it costs in interest.
Car loan calculator
Enter the vehicle price, down payment, trade-in value, sales tax, interest rate and term to estimate the monthly payment and total cost of vehicle financing.
Business loan calculator
Enter a loan amount, interest rate, term and any upfront fee to estimate the monthly payment, the total borrowing cost and the effective annual cost of a business term loan.
Quick calculators
Loan payment calculator
Estimate the scheduled payment and total interest on a fixed-rate amortizing loan. Enter your own figures — no provider data is pre-filled.
Uses the standard amortizing payment formula. It excludes fees, insurance and taxes, so a lender's disclosed figure may differ.
APR calculator
See how an upfront fee deducted from your proceeds raises the effective annual cost above the quoted interest rate.
This is an estimate for comparison only. A lender's disclosed APR is the authoritative figure and may treat certain charges differently.
Debt-to-income calculator
Work out the share of your gross monthly income committed to debt payments — one of the main figures lenders assess.
Lenders set their own limits and some calculate the ratio differently, for example using net income or including property taxes. Use this as an indication, not an eligibility decision.
Auto loan calculator
Estimate a vehicle payment including sales tax, a down payment and trade-in equity. Tax treatment varies by state and province.
Assumes tax is calculated after trade-in credit and financed with the balance. Rules differ by jurisdiction; confirm the figures on your contract.
How to read these results
A payment figure tells you what fits your monthly budget. A total-repaid figure tells you what the borrowing costs. The second is the one to compare between offers, because a lower payment achieved by extending the term almost always increases the total.
The APR calculator shows why fees matter: when a charge is deducted from your proceeds, you pay interest on money you never received, which raises the effective annual cost above the quoted rate.
Guides that explain these figures
Understanding APR: what the number actually includes
APR is the most useful single figure for comparing loans, but only if you know what it includes and where it can mislead.
How to compare loan offers without being misled
A step-by-step method for comparing borrowing offers on total cost rather than on the monthly payment.
Auto financing basics: price, term and total cost
Why the monthly payment is the wrong thing to negotiate, and how term length and depreciation interact.
MoneyLoanHub publishes general information for research and education. It is not financial, legal or tax advice and it does not account for your personal circumstances. MoneyLoanHub is not a lender and does not make credit decisions. We provide educational information and may refer visitors to third-party providers. Terms, eligibility and availability are set by each provider. Always confirm rates, fees and eligibility directly with the provider before applying. Full disclaimer.