Nine calculators for the decisions that hinge on a number you can check: what a loan or mortgage really costs once interest, taxes, and insurance are in, what an extra payment each month buys you, whether the snowball or the avalanche clears a debt sooner, what a contribution schedule compounds into, and what a savings target needs each month. Every one shows the full schedule behind the headline figure, and every one runs in your browser.
- 01
Compare two loan offers
Put both rates and terms in, read the monthly payment and total interest side by side, then test what one extra payment a month does to the payoff date before you commit to either.
- 02
Work out what a house actually costs
Start from principal and interest, then add property tax, insurance, HOA, and PMI to get the payment that will really leave your account — and see the month PMI drops off.
- 03
Choose a debt strategy
Enter every balance with its APR and minimum, add whatever extra you can find, and compare the snowball's early wins against the avalanche's lower total interest with both debt-free dates in front of you.
- 04
Sanity-check a long-term plan
Project contributions and growth to a retirement date, adjust for inflation, and see how much of the result is your own money versus compounding — then check a shorter savings goal the same way.
The schedule, not just the answer
Loans, mortgages, and growth projections print the full amortisation or year-by-year table. Seeing how little of an early payment touches principal explains more than the monthly figure ever does.
Extra payments modelled properly
Additional principal is applied on the schedule it is actually paid on, so the shortened term and the interest saved are computed from the amortisation rather than estimated from a rule of thumb.
All-in, not just principal and interest
The mortgage calculator carries taxes, insurance, HOA, and PMI, because the P&I quote is rarely the number that matters when you are deciding what you can afford.
Two strategies, one comparison
The payoff planner runs the snowball and the avalanche over the same balances and shows both debt-free dates with the interest difference between them, instead of arguing for one.
Nothing you enter is transmitted
Balances, salaries, and rates are held in the page and nowhere else. There is no account and no server, so a real budget can go in rather than a rounded-off version of one.
Shareable inputs
The scenario travels in the URL, so a link reopens the same comparison for a partner, a broker, or a spreadsheet-free second opinion.
How is a monthly loan payment calculated?
From the standard amortisation formula: the principal multiplied by the monthly rate, divided by one minus (one plus the monthly rate) to the power of minus the number of payments. A $25,000 loan at 6.5% over five years works out to $489.15 a month and $4,349 of total interest — and the calculator prints every one of those sixty payments.
Does paying extra each month actually help?
Yes, because extra money goes entirely to principal and therefore removes all the future interest that principal would have accrued. The loan and mortgage tools recompute the schedule with your extra payment so you see the new payoff date and the exact interest saved rather than a general claim.
Snowball or avalanche — which should I use?
The avalanche pays the highest APR first and always costs less in total interest. The snowball clears the smallest balance first and produces a visible win sooner, which some people need to keep going. The planner runs both on your numbers and shows the gap, so the trade-off is a figure rather than a philosophy.
What return should I assume for a projection?
That is your call, and the calculator deliberately does not pick for you. It is worth running the projection more than once — an optimistic rate, a conservative one, and one adjusted for inflation — because the spread between them is the real answer.
Is my financial data sent anywhere?
No. Every calculation runs in your browser. Nothing is uploaded, stored, or logged, and closing the tab discards it — which is why it is safe to enter your actual balances instead of approximations.
Is this financial advice?
No. These are calculators: they compute what the arithmetic of your inputs implies, and nothing here accounts for your full circumstances, tax position, or risk tolerance. For decisions of consequence, take the numbers to a licensed advisor.