FINBIZTOOLS
Loans and Mortgages: Calculators and Guides
Compare repayments, see how extra payments change interest, and check what a home might cost.
Compare repayments, see how extra payments change interest, and check what a home might cost.
Where to start
A common order: check what you can afford, compare loan offers, then see how extra payments change total interest.
Calculators and tools
- EMI Calculator — Understand monthly loan payments and total interest.
- Home Loan EMI Calculator — Plan home loan payments, interest and annual outstanding balances.
- Personal Loan EMI Calculator — Explore personal loan EMI, total interest and repayment schedules.
- General Loan Calculator — Calculate the monthly payment on any loan, and see how much time and interest an optional extra monthly payment could save.
- Auto Loan Calculator — Estimate a car loan's monthly payment from the vehicle price, down payment, trade-in value and sales tax, with total interest and total cost.
- Credit Card Payoff Calculator — Find out how many months it will take to pay off a credit card balance at a fixed monthly payment, and the total interest you will pay.
- Debt Payoff Calculator — Compare the snowball (smallest balance first) and avalanche (highest rate first) strategies for paying off multiple debts, with total months and interest for each.
- Loan Comparison Calculator — Compare up to three loan offers side by side — monthly payment, total interest and total cost including fees — to see which is cheapest.
- Mortgage Payment Calculator — Estimate your mortgage principal-and-interest payment from a property price, down payment, rate and term, plus an optional total housing payment with tax and insurance.
- Mortgage Affordability Calculator — Estimate an affordable mortgage amount and property price from your income, existing debt and a housing-budget ratio you choose. Not a lending decision.
- Mortgage Amortization Calculator — See how a mortgage payment splits between principal and interest every year, with a full amortization schedule down to a zero balance.
- Mortgage Extra Payment Calculator — See how an extra monthly payment on a mortgage could reduce the payoff time and total interest, calculated month by month, not estimated.
- Mortgage Refinance Calculator — Compare your current mortgage with a proposed refinance, including the payment difference, lifetime interest and an estimated break-even period.
- Rent vs Buy Calculator — Compare the estimated long-term net financial position of renting versus buying a home, with transparent, fully editable assumptions.