Free personal loan calculators
Run your numbers before you apply anywhere. Every calculator here is free, stores nothing, and needs no signup — built to show you the true cost of a personal loan, not just the advertised rate.
Personal Loan Calculator
Monthly payment, total interest, and payoff date for any loan amount, rate, and term.
Debt Consolidation Calculator
Compare your current card and loan payments against one consolidated personal loan.
APR Calculator
Turn an interest rate plus origination fee into the real APR you actually pay.
Early Payoff Calculator
See how much extra per month shortens your term and cuts total interest.
Payment by loan amount
Pre-filled calculators with payment tables for the most requested loan sizes.
Related guides
- Personal loans for bad credit
- Personal loans for fair credit
- Improve your credit before applying
- Medical loans
Business owner instead? Use the business funding calculators.
See your real personal loan rate
Soft credit check, about 60 seconds, no impact on your score.
Check my rateWhich personal loan calculator should you use?
Start with the personal loan calculator to see the monthly payment and total interest for an amount, rate and term. If an offer includes an origination fee, use the APR calculator to see its true cost and compare offers fairly.
If you are thinking about combining credit card balances, the debt consolidation calculator compares your current payoff with a fixed-rate loan. Already have a loan? The payoff calculator shows how much extra payments save.
All results are estimates. Your actual rate and approval are set by the lender after you apply.