Understand borrowing costs
Personal Loan & Refinance Calculators
Compare loans using cash received, payment timing, fees, total interest, and APR. A lower payment can come from a lower rate, a longer term, or both—and a longer term can increase total cost.
7 free tools
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Refinance Calculator
Compare your current loan with a new rate, term, and closing costs.
Open calculatorPersonal Loan Calculator
Estimate payment, fees, net proceeds, borrowing cost, and APR.
Open calculatorSimple Interest Calculator
Calculate non-compounding interest, fees, and total cost.
Open calculatorLoan Payoff Calculator
Estimate payoff time and savings from extra principal payments.
Open calculatorAPR Calculator
Solve estimated APR from proceeds, finance charges, and payments.
Open calculatorRV Loan Calculator
Estimate RV payment, taxes, interest, balloon, and total cash outlay.
Open calculatorAmortization Calculator
Track principal, interest, balances, payoff, and extra-payment savings.
Open calculatorA practical sequence
How to use these tools
- 1
Define the cash need
Separate the amount borrowed from fees withheld or added to the balance.
- 2
Compare on equal terms
Review payment, APR, total cost, and remaining balance over the same period.
- 3
Test early payoff
See whether extra principal or refinancing saves enough to justify fees and effort.
Frequently asked questions
What makes a refinance worthwhile?
A refinance may help when interest and payment savings exceed fees within the time you expect to keep the new loan.
Can the calculator reproduce a lender disclosure?
Not necessarily. Timing, fee treatment, day-count conventions, and product-specific rules can change disclosed figures.
Explore related topics
These calculators provide educational estimates, not offers, approvals, quotes, or individualized financial, tax, legal, insurance, or investment advice. Confirm important decisions with current documents, official sources, and qualified professionals.