Loan & debt calculators
Loan math is where banks quietly win. These run the schedule line by line — interest, principal, and the balance you actually owe — so you can see where the money goes before you sign anything.
Loan Amortization
Your payment, the total interest, and every single payment split into interest and principal — plus a live Excel schedule you can poke at.
Open calculatorExtra Payments
What happens if you throw a little extra at the loan every month, once a year, or whenever you get a windfall — the interest you skip and how much sooner you're done.
Open calculatorRemaining Balance
How much you still owe after a given number of payments (or as of any date), how much principal and interest you've paid so far, and how many payments are left.
Open calculatorBalloon Loan
Payments sized like a long loan, but the rest comes due early in one big check. See the payment, the balloon, the date it lands, and the interest along the way.
Open calculatorLoan Payoff
Start from what you owe today and what you pay: when the loan's actually gone, how much interest is left, and what an extra payment would change.
Open calculatorRefinance Comparison
Your loan vs. the refinance offer: the new payment, when the closing costs actually pay for themselves, and whether you come out ahead in the time you'll really keep the loan.
Open calculatorLoan Recast
Pay down a chunk of the loan and have the lender re-figure your payment. See the new payment, the interest you save, and how it stacks up against just prepaying without the recast.
Open calculatorLoan Fee Amortization
Spread the fees you paid to get a loan over its life the way GAAP wants (as extra interest), see what's left on the books at any date, and what gets written off if you pay it off early.
Open calculatorEffective Interest Rate
When a note is issued at a discount, a premium, or with costs, the stated rate isn't what it really costs. This finds the real rate and builds the effective-interest schedule and entries.
Open calculatorBusiness Debt Schedule
All your business loans in one place: debt service by month and year, what's current vs. long-term on the balance sheet, the maturity ladder, and the weighted-average rate.
Open calculatorEquipment Lease
Lease or buy? This builds the lease liability and right-of-use asset the way ASC 842 wants, tells you whether it's a finance or operating lease, and compares the lease with paying cash.
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