Free calculators
Loan calculators
Every calculator here runs in your browser and nothing you type is sent to us. Start with the payment, then check the total cost.
Advertising disclosure: EmergencyLoaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
- 18 calculators
- No sign-up
- Runs in your browser
All calculators
Personal Loan Calculator
Estimate your monthly personal loan payment, total interest, and total cost. Enter your own amount, rate, and term to compare offers side by side today.
Loan Payment Calculator
Calculate the monthly payment on any fixed-rate installment loan. Enter an amount, rate, and term to see the payment, total interest, and total paid over time.
Loan Payoff Calculator
See how many months it takes to pay off a loan and how much interest you pay. Enter your balance, rate, and monthly payment to check your payoff date.
Loan Amortization Calculator
Build a full loan amortization schedule. See the monthly payment and how each payment splits between interest and principal over the life of the loan.
Loan Interest Calculator
Work out the total interest on a fixed-rate loan. Enter the amount, rate, and term to see the monthly payment, total interest, and total amount repaid.
APR Calculator
Estimate the APR on a loan that has upfront fees. Enter the amount, rate, term, and all fees to compare the note rate with the nominal and effective APR.
Debt Consolidation Calculator
Compare your current debts with a single consolidation loan. See the new payment, total interest, and whether consolidating actually saves you money over time.
Auto Loan Calculator
Estimate your auto loan payment, total interest, and amount financed. Enter price, down payment, trade-in value, sales tax, rate, and term to compare.
Student Loan Calculator
Estimate student loan payments and see how extra monthly payments cut your payoff time and total interest. Enter amount, rate, term, and any extra payment.
Home Equity Loan Calculator
Estimate the monthly payment and total interest on a home equity loan. Enter the amount, rate, and term to plan a fixed-rate second mortgage on your home.
Credit Card Payoff Calculator
See how long it takes to pay off a credit card and how much interest you pay. Enter the balance, APR, and the minimum payment percentage or fixed floor.
Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio from your gross monthly income and your monthly debt payments. See your front-end and back-end DTI in just seconds.
Loan Comparison Calculator
Compare two loans side by side. Enter the loan amount, rates, and terms to see monthly payments, total interest, and which loan costs less overall in the end.
Biweekly Payment Calculator
See how biweekly payments compare with monthly payments. Enter the amount, rate, and term to estimate the payoff time and the total interest you could save.
Emergency Loan Calculator
Estimate the monthly payment, total interest, and total cost of a short-term emergency loan, including any flat origination fee you were quoted today.
Payday Loan Cost Calculator
Enter a payday loan amount, the finance fee per $100 borrowed, and the term in days to see the total fee, total repaid, and the implied annual APR in seconds.
Emergency Fund Calculator
Work out your emergency fund target from your essential monthly expenses and months of runway, plus the monthly amount needed to reach it over that period.
Cash Advance Cost Calculator
Estimate the upfront fees and total cost of a credit card cash advance, then see the effective APR once the advance fee and ATM fee are both included.
Advertising disclosure: EmergencyLoaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.
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Frequently asked questions
Are these emergency loan calculators free?
Yes. Every calculator on EmergencyLoaning runs in your browser, is free, and requires no sign-up. Nothing you type is sent to us.
How accurate are the results?
The calculators use the standard amortization and APR formulas used across consumer lending. They give an accurate estimate for the numbers you enter, but the exact figure depends on your lender's fees, compounding and rounding.