Borrow smarter. Know the true cost first.
Eight loan calculators and honest guides that show the payment, the interest and the fees before you talk to any lender.
Quick loan check
Slide to see your monthly paymentPick your calculator
View all →Mortgage Payment Calculator
Work out your full monthly payment — principal, interest, tax, insurance and HOA.
Open →DebtCredit Card Payoff Calculator
How long your balance takes to clear and what interest really costs.
Open →EducationStudent Loan Repayment Calculator
Compare standard vs extended terms — payment, interest and true cost.
Open →HomeRefinance Break-Even Calculator
How many months until refinancing pays for itself.
Open →PersonalPersonal Loan Calculator
See your monthly payment and total interest before you apply.
Open →CarAuto Loan Calculator
Estimate the real cost of a car loan, tax and down payment included.
Open →SavingsEarly Loan Payoff Calculator
Find out how much interest extra payments could save.
Open →DebtDebt Consolidation Calculator
Compare your current debts with one consolidation loan.
Open →BudgetLoan Affordability Calculator
Turn the monthly payment you can afford into a loan amount.
Open →True costAPR With Fees Calculator
Reveal the true APR once an origination fee is included.
Open →EligibilityDebt-to-Income Ratio Calculator
Check how a new loan would change your DTI ratio.
Open →CompareLoan Comparison Calculator
Put two loan offers side by side and see which costs less.
Open →What does the maths look like?
Personal loan maths
Fixed payments, no collateral, and interest that adds up to about $3,430 in this example. Compare the total cost, not just the payment.
Open the calculatora month on $15,000 over 48 months at 10.5% APR
Car loan maths
Tax, down payment and trade-in all change what you borrow. Shorter terms usually save the most interest.
Open the calculatora month on a $29,920 car loan at 7% over 60 months
Consolidation loan maths
A lower rate can cut costs sharply, but only if fees stay low and the cards are not run up again.
Open the calculatorestimated saving moving $18,000 from 22% cards to an 11% loan
Early payoff loan maths
Small extra payments shorten the loan and cut interest, as long as there is no prepayment penalty.
Open the calculatorinterest saved by adding $100 a month to a $20,000 loan at 8%
Why people trust the numbers
Latest guides
All guides →How Personal Loans Work: A Plain-English Guide
What a personal loan is, how interest and fees work and how to decide if one is the right tool.
6 min read →BasicsAPR vs Interest Rate: What Is the Difference?
Interest rate and APR sound alike but measure different things. Learn how fees change the true cost of a loan.
5 min read →ShoppingHow to Compare Loan Offers Like a Pro
A step-by-step method for comparing lenders by total cost, not just the monthly payment.
6 min read →CarCar Loan Tips: How to Pay Less for Your Next Vehicle
Practical ways to cut the cost of an auto loan, from term length to down payments and pre-approval.
5 min read →DebtDebt Consolidation Loans: Pros and Cons
When consolidating debts saves money, when it does not and how to avoid common traps.
6 min read →EligibilityWhat Is a Debt-to-Income Ratio and Why Do Lenders Care?
How DTI is calculated, what lenders look for and how to improve yours before applying.
4 min read →Quick answers
Are your calculators free?
Yes. They are free, need no account and run in your browser, so the figures you type stay on your device.
Do you offer or arrange loans?
No. SmartLoansGuide is an independent education site. We are not a lender or broker, and we do not take applications or collect personal details.
How accurate are the results?
They use standard formulas and show the working. Real offers depend on your lender, fees, credit profile and local rules, so treat results as estimates.
Can I use other currencies?
Yes. Each calculator lets you switch the symbol to pounds, euros, Canadian or Australian dollars.