Loan calculators for Canada
Car loans, personal loans and paying off debt.
- 7 free calculators
- Updated for 2026
- Official figures, no sign-up
Calculators
- Car Loan Your payments, total interest and the real cost of the car, with sales tax.
- Personal Loan Your payments, total interest and the APR with fees.
- Credit Card Payoff When you’ll be debt-free, and what paying only the minimum costs.
- Student Loan Your monthly payment on Canada Student Loans and your provincial loan.
- Debt Payoff Clear several debts faster: snowball or avalanche, and your debt-free date.
- Car Affordability The most a car can cost for the monthly payment that fits your budget.
- Lease vs Buy Whether leasing or buying a car with a loan costs less over the lease term.
Guides
All Canada guides- Loans & credit Building credit from scratch in Canada, including newcomers New to credit or to Canada? How to start a credit history with a secured or student card, why additional cardholders don’t build credit, and what to avoid. Read the guide
- Loans & credit Buy now, pay later in Canada: costs, credit and the rules How buy now, pay later works in Canada: what pay-in-4 and monthly plans cost, how they affect your credit report, and the rules that protect you. Read the guide
- Loans & credit Credit scores in Canada: what counts and how to raise yours How credit scores work in Canada, what Equifax and TransUnion look at, how to check your score for free and the fastest ways to improve it. Read the guide
- Loans & credit Help with debt in Canada: free advice and formal options Free, confidential help with debt in Canada: non-profit credit counselling, debt management plans, consumer proposals and bankruptcy. Read the guide
- Loans & credit How to pay off debt in Canada: avalanche or snowball? How to pay off several debts in Canada: the avalanche and snowball methods, which saves more, and how to pay less interest, with a worked example. Read the guide
- Money myths Myth: checking your credit score lowers it (Canada) Checking your own credit score or report never lowers it. Soft vs hard inquiries at Equifax and TransUnion, and what applying for credit really costs. Read the guide