Free Loan Calculators & Qualification Tools
Free, no-signup calculators and checkers to help you understand what you may qualify for before you apply. None of these tools perform a credit check or collect personal information — everything runs in your browser.
Loan Payment Calculator
Estimate your monthly payment, total interest, and payoff time — including the effect of extra payments.
Debt Payoff Calculator
See how long it will take to clear a balance and how much interest an extra payment saves.
Auto Loan Calculator
Work out your monthly payment from the price, down payment, trade-in, tax and rate.
Mortgage Affordability Calculator
Find the home price your income and debts can support at a given rate.
Do I Qualify?
Check your estimated debt-to-income ratio and see which loan types may fit your credit and income.
Which Loan Do I Need?
Answer a few questions and get matched to the loan types built for your goal.
Refinance Break-Even Calculator
See how many months it takes for a refinance's savings to cover its closing costs.
Loan Comparison Calculator
Compare two loan offers side by side on monthly payment and total cost.
Biweekly Payment Calculator
See how much interest biweekly payments save versus monthly payments.
Down Payment Calculator
Work out how long it takes to save a home down payment.
HELOC Payment Calculator
See draw-period and repayment payments and total HELOC interest.
Business Loan Calculator
Estimate business loan payments, fees and total cost.
Why use these tools
Most borrowers apply blind, then discover the rate they were offered is far above what they expected. Running the numbers first helps you set a realistic budget, avoid high-cost products such as payday and title loans, and walk into a lender conversation already knowing your debt-to-income ratio and the rate range that fits your credit profile.
How to use them together
- Start with Do I Qualify? to see your estimated DTI and eligibility.
- Then use the Payment Calculator to find a monthly payment you can comfortably afford.
- Not sure which product fits? Run Which Loan Do I Need?
- Before you sign, check the state loan rules for the caps and protections that apply where you live.