Loan & Payoff Planning Calculators
True loan costs, consolidation math, and faster payoff plans.
Personal Loan Calculator
Monthly payment and true total cost of a personal loan, including the origination fee most calculators ignore.
Open calculator →Loan Payoff Calculator
See how much sooner you’ll be debt-free and how much interest you save by adding extra monthly or one-time payments to any loan.
Open calculator →Student Loan Payoff Calculator
See when your student loans actually end — and how extra payments or one-time windfalls move the date and shrink the interest.
Open calculator →Auto Loan Payoff Calculator
Pay the car off early: what extra payments save in interest, and how fast you can get right-side-up on the loan.
Open calculator →Debt Consolidation Calculator
Roll multiple debts into one loan and see whether it actually saves money — monthly payment, total interest, and fees compared side by side.
Open calculator →Debt-to-Income Ratio Calculator
Calculate your DTI the way lenders do, see which approval thresholds you clear, and what it takes to reach the next one.
Open calculator →Personal Loan Affordability Calculator
How large a personal loan your income actually supports — the lender’s DTI math on your salary, and the payment you can carry without regret.
Open calculator →Pay Off Debt or Invest Calculator
The eternal question, answered with your numbers: guaranteed interest savings vs expected market returns, compared at the same finish line.
Open calculator →IUL Calculator — Illustrated vs Guaranteed
Your illustration prints two columns. The agent showed you one. Enter both and we print the real annual return of each — plus the break-even the sales pages cannot agree on.
Open calculator →Infinite Banking Calculator
Bring your own illustration. We print the one number it never does — your policy’s real annual return — and price it against buying term and investing the difference.
Open calculator →401(k) Loan Calculator
Borrowing from your future self: the real cost of a 401(k) loan in foregone growth — plus the job-change risk nobody prices in.
Open calculator →Loan Comparison Calculator
Two offers, one honest answer: payments, fees, effective APR, and total cost side by side — even when the terms differ.
Open calculator →Payoff Amount & Per-Diem Interest Calculator
Your exact payoff amount today — and why it’s more than your statement balance. Per-diem interest, your 10-day payoff quote, and the 360-day trick that raises it.
Open calculator →Payday Loan APR & True-Cost Calculator
Turn a “$15 per $100” payday fee into the real APR — often around 400% — and watch how rolling the loan over stacks fees while the balance never moves. See the cheaper alternatives, side by side.
Open calculator →0% Financing vs Cash Rebate Calculator
The dealer offers 0% APR or cash back — never both. See which one actually costs less, and the break-even rate below which the rebate wins.
Open calculator →Extended Warranty & GAP Refund Calculator
Cancel a financed warranty or GAP policy and the refund goes to your lender, not to you. See what it does instead: how many months earlier your loan ends, and the interest you never pay.
Open calculator →Guides for this cluster
Decision guides and data studies that use these calculators.
Minimum Payment Statistics: How Long Credit Card Debt Really Lasts
Original data: how many years minimum payments take at every common balance and APR, computed month by month — including the balances that never pay off at all.
Read →Personal Loan or Balance Transfer? The Honest Answer for Card Debt
A one-number test decides most cases: can your budget clear the balance inside the 0% window? Here is how to answer it — and what to do when you can't.
Read →What an Extra $100 a Month Does to Your Debt: The Full Tables
Original data: how much time and interest an extra $100/month cuts from a mortgage, student loans, an auto loan, a personal loan, and a credit card — including the debts it outright rescues.
Read →Pay Off Debt or Invest? A Decision Order That Actually Ends the Debate
The debt-vs-invest debate ends with an order, not a winner: employer match, emergency fund, high-APR debt, then a genuine choice. Here is the math.
Read →How Do You Calculate Savings From Debt Consolidation?
How to calculate your real savings from debt consolidation by hand, and why a lower monthly payment is not the same as saving money.
Read →The 28/36 Rule: What Debt-to-Income Ratio Do You Need for a Mortgage?
How the 28/36 rule works, the difference between front-end and back-end DTI, the ratios lenders actually accept today, and how to work out yours before you apply.
Read →0% Financing or the Cash Rebate? The Break-Even Map
Original data: the exact rate below which taking a car dealer’s cash rebate beats their 0% financing — mapped across every rebate size, term and price. Plus why the rule of thumb everyone repeats is calibrated to a car that barely exists any more.
Read →Does Infinite Banking Work? Your Policy Earns 3.99%. The Illustration Just Never Says So.
Original data: we gave the policy the return its own sellers claim, and taxed the index fund on every dollar of gain. Buying term and investing the difference still finished $172,608 ahead.
Read →The IUL Column Your Agent Did Not Show You Earns −9.98% a Year
Original data: every indexed universal life illustration prints two columns on the same page. One is a projection. The other is a promise. We computed the real annual return of both.
Read →The Car Loan Deduction Dies at $111,000, Not $150,000 — and 0% Financing Kills It Outright
Original data: the 2025 car loan interest deduction phases out by a flat dollar amount, not a percentage. A typical car loan's deduction is worth nothing above a $111,000 MAGI. And 0% financing, having no interest, has nothing to deduct.
Read →The Refund That Never Reaches You: What Cancelling a Car Warranty Actually Does
Original data: cancelling a financed extended warranty or GAP policy sends the refund to your lender, not to you — and your payment does not drop. We computed what it does instead, and what one unread clause in the contract is worth.
Read →The Solar Loan Trap: A Fee You Were Not Allowed To Be Told, and a Payment That Jumps 47%
Original data: the 2.99% solar loan is bought with a dealer fee of 15–30% hidden in your price, and its payment assumes a tax credit you may not be able to use — or, after 2025, one that no longer exists.
Read →Payday Rollover Math: The Day the Fees Become Bigger Than the Loan
Original data: on a typical $15-per-$100 payday loan, cumulative rollover fees exceed the entire amount borrowed after seven 14-day terms — while every dollar of principal is still due.
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