Loans & Debt

See what loans really cost and how to escape debt faster.

Loans & Debt 15 vs 30 Year Mortgage Calculator Compare 15-year and 30-year mortgages side by side: monthly payment, total interest, and what investing the difference would earn. Loans & Debt Amortization Calculator Full amortization schedule for any loan: monthly payment, principal vs interest split over time, and year-by-year balance table. Loans & Debt Balance Transfer Calculator (Is 0% APR Worth It?) Compare paying your credit card as-is vs moving the balance to a 0% intro APR card with a transfer fee — clear verdict in dollars. Loans & Debt Buy Now Pay Later Calculator (True Cost) See what BNPL installments really commit you to — stacked plans, late fees, and the budget share they consume. Loans & Debt Car Affordability Calculator (20/4/10 Rule) Find out how much car you can afford on your income using the 20/4/10 rule — 20% down, 4-year loan, under 10% of income on car costs. Loans & Debt Car Depreciation Calculator See what your car will be worth in 1–10 years and what depreciation really costs per year — the biggest hidden cost of driving. Loans & Debt Car Loan Calculator Calculate your monthly car payment with trade-in, down payment, and sales tax — plus total interest and total cost of the car. Loans & Debt Credit Card Minimum Payment Calculator See how long paying only the minimum on a credit card really takes, what it costs in interest, and how a fixed payment compares. Loans & Debt Credit Utilization Calculator Calculate your credit utilization ratio across cards and see what to pay down to reach the score-friendly zones. Loans & Debt Debt Snowball vs Avalanche Calculator Compare the debt snowball and debt avalanche methods on your actual debts: payoff time and total interest for each strategy. Loans & Debt Debt-to-Income (DTI) Ratio Calculator Calculate your debt-to-income ratio the way lenders do — front-end and back-end DTI — and see what mortgage approval requires. Loans & Debt Down Payment Calculator See what different down payment percentages mean in dollars for any home price — plus PMI impact and the monthly saving plan to get there. Loans & Debt HELOC Payment Calculator Calculate HELOC payments in both phases: interest-only during the draw period, then the higher repayment-phase payment everyone forgets. Loans & Debt Home Equity Loan Calculator Calculate how much equity you can borrow against your home, and the monthly payment and total cost of a home equity loan. Loans & Debt Lease vs Buy Car Calculator Compare leasing vs buying the same car over your ownership horizon — total cost verdict including resale value. Loans & Debt Loan Comparison Calculator (Offer A vs Offer B) Compare two loan offers with different rates, terms, and fees — total cost verdict shows which offer truly wins. Loans & Debt Loan Payoff Calculator (Extra Payments) See how much faster you pay off any loan — and how much interest you save — by adding extra to each monthly payment. Loans & Debt Mortgage Affordability Calculator (How Much House?) Find the maximum home price you can afford from your income, debts, and down payment — using the 28/36 rule lenders apply. Loans & Debt Mortgage Payment Calculator Calculate your monthly mortgage payment with taxes and insurance, plus total interest over the life of the loan. Loans & Debt Mortgage Points Calculator (Buy Down Break-Even) Should you pay points to lower your mortgage rate? Break-even month and total savings verdict for buying discount points. Loans & Debt Negative Equity Calculator (Car Trade-In) Owe more than your car is worth? See your negative equity, what rolling it into a new loan really costs, and the cheaper exits. Loans & Debt Payday Loan APR Calculator (True Cost) See the real annualized interest rate hidden in a payday loan fee — and what the rollover cycle costs in dollars. Loans & Debt Personal Loan Calculator Calculate monthly payments and total cost of a personal loan, including origination fees — see the real APR of the money you receive. Loans & Debt Refinance Break-Even Calculator Find out how many months a mortgage refinance takes to pay for itself — closing costs vs monthly savings, with a clear verdict. Loans & Debt Rent vs Buy Calculator Compare the true cost of renting vs buying a home over your time horizon — with a clear verdict for your numbers. Loans & Debt Student Loan Payoff Calculator See how long your student loans will take to pay off, total interest, and how extra payments shorten the timeline.