Loan calculators for the US
Car loans, personal loans and paying off debt.
- 7 free calculators
- Updated for 2026
- Official figures, no sign-up
Calculators
- Car Loan Your monthly payment, total interest and the real cost of the car.
- Personal Loan Your monthly payment, 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 Compare the standard plan, RAP and IBR for your federal student loans.
- 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 US guides- Loans & credit How to build credit from scratch: a step-by-step plan No credit history? How to get your first FICO score with a secured card, credit-builder loan or authorized user, how long it takes and mistakes to avoid. Read the guide
- Loans & credit Buy now, pay later in the US: costs, credit and the rules How buy now, pay later works in the US, what it costs when you miss a payment, how it affects your credit, and the rules that protect you. Read the guide
- Loans & credit US credit scores: what affects yours and how to raise it What a FICO score is, the five things that make it up, what counts as a good score, how to check yours for free, and the fastest ways to improve it. Read the guide
- Loans & credit Help with debt in the US: free advice and formal options Where to get free, confidential help with debt in the US, how to talk to your lenders, and the formal debt solutions, with their current limits. Read the guide
- Loans & credit How to pay off debt in the US: avalanche or snowball? How to pay off several debts in the US: the avalanche and snowball methods, which saves more, and how to pay less interest, with a worked example. Read the guide
- Money basics How to spot and report money scams in the US The warning signs almost every scam shares, the most common scams in the US right now, how to protect your accounts, and where to report fraud. Read the guide