Borrow & Repay
What will borrowing really cost me?
Whatever you're borrowing for, the maths underneath is the same: an amount, a rate and a term give a monthly payment and a total interest cost. Pick the situation that matches yours — the tools share one amortization engine, so they all read the same way.
- Mortgage Calculator Buying a home — full payment with tax, insurance, PMI and a schedule. Open calculator
- Loan Calculator Any fixed-rate loan — payment, total interest and payoff date. Open calculator
- Auto Loan Calculator Buying a car — with down payment, trade-in, tax and fees. Open calculator
- Amortization Calculator See how each payment splits between principal and interest. Open calculator
- Payment Calculator Solve for the payment, or how long a set payment takes to clear. Open calculator
- Interest Rate Calculator Only quoted a monthly payment? Find the rate hidden inside it. Open calculator
- Credit Card Payoff Calculator Clear card debt — payoff time and the interest it costs you. Open calculator
- Home Equity Loan Calculator Borrow against your home — borrowing power and payment. Open calculator
Reference tables
At-a-glance tables you can cite, print or embed — computed from the same formulas as the calculators.
- Mortgage payment table Monthly principal-and-interest payment per $100,000 of mortgage, for every interest rate from 3% to 8% across 10, 15, 20 and 30-year terms. View the table →
- Loan payment table Monthly payment per $1,000 borrowed for auto and personal loans, across interest rates from 4% to 15% and terms from 12 to 72 months. View the table →
Guides on this topic
- How Loans and Interest Really Work A complete, jargon-free guide to borrowing — interest vs. APR, simple vs. compound, amortization, the main loan types, and how to pay less over the life of a loan.
- How Much House Can You Afford? A practical, plain-English guide to figuring out a home price you can comfortably afford — using the 28/36 rule, down payments and the true cost of a mortgage.
- Getting the Best Auto Loan How car financing really works — the true cost beyond the sticker price, why loan term matters so much, and how down payments and trade-ins change the math.
- Rent vs. Buy a Home: How to Decide A complete framework for the rent-or-buy decision — the true costs of each, the break-even horizon, opportunity cost, and how to run your own numbers.