Free Loan Calculators for Every Borrowing Decision
MyLoanCalcs.com provides free, accurate financial calculators for mortgages, auto loans, personal loans, student loans, refinancing, debt consolidation, and more. Every calculator runs entirely in your browser using standard financial formulas -- no sign-up, no lead forms, and no data sent to our servers.
Mortgage Calculators
Our Mortgage Calculator estimates your monthly principal and interest payment using the standard fixed-rate amortization formula: M = P[r(1+r)^n] / [(1+r)^n - 1]. It generates a full amortization schedule showing how each payment splits between principal and interest over the life of your loan. The Refinance Calculator shows your break-even point and total interest savings from refinancing. The Mortgage Points Calculator prices discount points against your break-even period. The Bi-Weekly Payment Calculator shows how making payments every two weeks -- the equivalent of one extra monthly payment per year -- shortens your loan term and reduces total interest.
Auto, Personal, and Student Loan Calculators
The Auto Loan Calculator estimates your monthly car payment and total loan cost for any vehicle purchase, with guidance on the 20/4/10 rule for keeping vehicle costs manageable. The Personal Loan Calculator computes monthly payments and total interest for unsecured installment loans. The Student Loan Calculator models payments under both standard and income-driven repayment plans.
Debt Management Calculators
The Debt Consolidation Calculator shows whether combining multiple debts into a single loan at a lower rate saves money. The Debt Payoff vs Consolidation Calculator compares the avalanche and snowball payoff methods against consolidation. The Early Payoff Calculator models the interest saved by making extra principal payments on any loan.
Educational Guides
Alongside our calculators, we publish plain-English guides on the financial concepts that matter most to borrowers: What Is APR?, What Is Amortization?, What Is PMI?, What Is a Credit Score?, and dozens more. Our news section publishes weekly mortgage rate updates from Freddie Mac's Primary Mortgage Market Survey and data releases from the Mortgage Bankers Association, Federal Reserve, FHFA, Fannie Mae, FHA, VA, and CFPB.
About This Site
MyLoanCalcs.com is an independent educational resource. We are not a lender, broker, or financial advisor. We do not sell your information or earn commissions on loan referrals. Calculator results are estimates based on the inputs you provide and standard mathematical formulas -- actual loan costs vary by lender, credit profile, and loan program. For decisions specific to your situation, consult a licensed mortgage professional or HUD-approved housing counselor.