Free Online
Loan Calculators.
Understand your monthly payment, estimate your interest cost, and explore what a little extra can do.
Your estimated principal & interest payment
What are you financing?
Choose a calculator, enter your numbers, and see the whole repayment picture.
Student loans
Estimate monthly payments, interest and payoff dates. Explore extra payments and grace-period assumptions.
Open calculatorPersonal loans
See the cost of borrowing, compare terms and account for origination fees before you commit.
Open calculatorMortgages
Build a fuller housing estimate with taxes, insurance, PMI, HOA fees and extra principal.
Open calculatorAuto loans
Work out your car payment with sales tax, fees, a trade-in and any remaining trade-in debt.
Open calculatorMake room for
better questions.
What if I paid a little extra?
See how extra principal changes your total interest and payoff date.
How do these options compare?
Keep three scenarios side by side, with the costs and assumptions visible.
Where does each payment go?
Follow every dollar of principal and interest. Export the full schedule or print it.
Clear inputs.
Checkable results.
Each tool uses a disclosed fixed-rate monthly amortization model. You can read the formula, follow a worked example, and see exactly what is included.
M = monthly payment · P = principal
r = monthly rate · n = number of payments
Estimates can differ from lender quotes. We explain why, without presenting an estimate as a promise.
A payment is only
part of the picture.
Compare total interest, fees, cash required upfront and the time until payoff—not just the amount due each month.
Compare loan scenarios →Shorter term or smaller payment?
For the same balance and rate, a longer term generally lowers the scheduled payment but increases total interest. A shorter term does the reverse. Use the comparisons to explore the trade-off against your budget.
Interest rate or APR?
The nominal rate determines interest in these tools. APR also reflects applicable fees. Enter fees separately, and compare lender disclosures on the same basis.
Before you get started
Are all four calculators really free?
Yes. There is no fee, registration, email requirement or financial account connection.
Do you save the numbers I enter?
The calculation code uses values only in the current browser tab. It does not send financial inputs to a server or save them in browser storage. Refreshing the page clears comparisons. See the privacy policy for hosting and contact information.
Will the result match my lender exactly?
Not necessarily. These are fixed-rate monthly estimates. Daily interest, first-payment timing, fees, rounding, changing escrow amounts and contract terms can change an actual schedule.
Can I download or print my results?
Yes. Every calculator generates a CSV schedule and a print-friendly summary with the current inputs, results and schedule.
Who publishes these calculators?
Clear Loan Calculators is published by TheRubiconShopUS. The site and educational text were created with AI assistance. No professional financial reviewer or government endorsement is claimed.