MONEY & PLANNING

Loan calculators

Free loan calculators for repayments, interest, APR, flat and reducing rates, overpayments, affordability and eligibility.

57 tools to exploreCHOOSE YOUR STARTING POINT

UK loan calculatorEssentialUK loan calculator: monthly repayments, total interest and total amount repayable from your APR, worked out the way UK lenders do, plus early settlement.UK LTV calculatorUK LTV calculator: work out your mortgage loan to value, the lender LTV band it falls in and how much less to borrow to reach a better band.UK loan overpayment calculatorUK loan overpayment calculator: see the interest and time you save by paying extra each month or a lump sum, and your new final repayment date.UK loan interest calculatorUK loan interest calculator: total interest on a loan from its APR, the interest in the first year, and the monthly repayment and total repayable.UK loan early repayment calculatorUK loan early repayment calculator: estimate your settlement figure, interest rebate and the most a lender can charge to pay a loan off early.UK loan eligibility calculatorUK loan eligibility calculator: estimate how much you could borrow from your take-home pay, credit repayments and essential spending at your APR.UK loan APR calculatorUK loan APR calculator: work out the APR of a loan from the amount, fees and monthly payment or interest rate, the way UK lenders quote it.UK interest only calculatorUK interest only calculator: monthly interest-only payments on a loan, what you pay once repayments start and the extra interest it costs.UK loan comparison calculatorUK loan comparison calculator: compare two loan quotes by APR and term to see the monthly repayments, total cost and which is cheaper.UK loan affordability calculatorUK loan affordability calculator: check whether you can afford a loan's monthly repayment from your take-home pay, credit and essential spending.UK compound interest loan calculatorUK compound interest loan calculator: see how compounding grows what you owe, compounded daily, monthly, quarterly or yearly, with or without repayments.UK loan value calculatorUK loan value calculator: the fair value of a loan's remaining repayments at today's market rate, and its premium or discount to the balance.UK simple loan calculatorUK simple loan calculator: monthly payments and total interest on a flat-rate (simple interest) loan, and the APR it really works out at.UK joint loan eligibility calculatorUK joint loan eligibility calculator: estimate how much two people could borrow together from both take-home pays, credit and essential spending.UK loan balance calculatorUK loan balance calculator: the outstanding balance on a loan after any number of repayments, with principal and interest paid so far.UK loan amount calculatorUK loan amount calculator: work out how much you can borrow, or what you originally borrowed, from the monthly repayment, APR and term.UK balloon loan calculatorUK balloon loan calculator: the monthly payment on a loan or car finance with a final balloon payment, the total interest and the cost against no balloon.UK loan protection insurance calculatorUK loan protection insurance calculator: what payment protection costs from your quote, monthly and over the loan, and the most a claim would pay out.UK loan to income calculatorUK loan to income calculator: your loan-to-income (LTI) ratio, single or joint, and the most a lender's income multiple such as 4.5 times would allow.UK DSCR loan calculatorUK DSCR loan calculator: the debt service coverage ratio of a property or business loan from net operating income, and the largest loan at a lender's minimum.UK loan replacement calculatorUK loan replacement calculator: whether switching to a cheaper loan saves money after the early repayment charge and fees, and how soon it pays back.UK how long to repay a loan calculatorHow long to repay a loan in the UK: the time, number of repayments, final repayment and date, and total interest from the balance, APR and monthly repayment.UK interest free loan calculatorUK interest free loan calculator: the monthly repayment on a 0% loan, the APR an upfront fee adds and how much you save against borrowing at interest.UK loan to cost calculatorUK loan to cost calculator: the LTC and loan to GDV of a development loan, the most a lender would offer at its limits and the equity you need.Flat rate loan calculatorFlat rate loan calculator: work out repayments on a flat-rate loan and see its true APR, which is much higher than the flat rate.Actuarial loan calculatorActuarial loan calculator: work out the level monthly payment, total interest and total cost of an annuity (actuarial) repayment loan.UK loan accrued interest calculatorUK loan accrued interest calculator: the interest that builds up on a loan balance between two dates, and the interest per day on a 365 or 360-day basis.US loan payoff and prepayment penalty calculatorUS loan prepayment penalty calculator in USD: your payoff amount with per diem interest, any prepayment penalty and what paying off early saves.Self-employed loan calculatorSelf-employed loan calculator for the UK: estimate how much you could borrow from a monthly repayment your business income can support.Loan calculator with lump sum paymentsLoan calculator with lump sum payments: see how a one-off payment towards your loan cuts the interest you pay and how soon it's cleared.US loan-to-value calculatorUS loan-to-value calculator in USD: LTV and CLTV on your home, and the mortgage balance at which PMI can be cancelled or ends under federal law.Reducing rate loan calculatorReducing rate loan calculator: convert a flat interest rate into the equivalent reducing-balance rate and APR from the loan amount and term.Compound daily interest loan calculatorCompound daily interest loan calculator: see how much a loan balance grows when interest is added every day and nothing is repaid.US debt-to-income calculatorUS debt-to-income loan calculator in USD: your back-end and front-end DTI ratios from monthly debts and gross income, and the room left under a lender's limit.Loan calculator with extra monthly paymentsLoan calculator with extra monthly payments: see how much interest and time regular overpayments save on any loan.US loan payment calculatorUS loan payment calculator in USD: monthly payment, Truth in Lending APR, amount financed and finance charge, including an origination fee taken upfront.US loan payoff calculatorUS loan payoff calculator in USD: see how much interest and time extra monthly or one-time payments save, and the date your loan will be paid off.US loan cost calculatorUS loan cost calculator in USD: total interest, finance charge and APR including an origination fee, plus first-year and daily interest on a loan.US loan qualification calculatorUS loan qualification calculator in USD: the most you could borrow from your gross income, monthly debts and a lender's maximum debt-to-income ratio.US APR calculatorUS annual percentage rate calculator in USD: the Truth in Lending APR of a loan with an origination fee or points, plus the amount financed and finance charge.US interest only loan calculatorUS interest only loan calculator in USD: the interest-only payment, the payment after the interest-only period ends and the total interest.US compare loans calculatorCompare loans calculator for US offers in USD: two loans' payments, finance charges and APRs with origination fees, and which costs less.US loan affordability calculatorCan I afford this loan? US calculator in USD: the monthly payment and your debt-to-income ratio with the new loan against the limit you set.US loan compound interest calculatorUS loan compound interest calculator in USD: how an APR compounded daily, monthly or yearly grows a balance, the APY and when payments clear it.US loan fair value calculatorUS loan fair value calculator in USD: what a private or seller-financed note is worth at a buyer's required yield, and the discount to its balance.US simple interest loan calculatorUS simple interest loan calculator in USD: the monthly payment, total interest, daily (per diem) interest and what a late payment adds.US joint loan qualification calculatorUS joint loan qualification calculator in USD: how much you and a co-borrower could qualify for from both gross incomes and a debt-to-income limit.US loan principal calculatorUS loan principal calculator in USD: the loan amount a monthly payment covers at your note rate and term, plus total interest.US remaining loan balance calculatorUS remaining loan balance calculator in USD: the principal left after any number of payments, interest paid so far and the final payment date.US balloon payment calculatorUS balloon payment calculator in USD: the balloon due after a few years on a loan amortized over 30 years, the monthly payment and interest paid.US DSCR loan calculatorUS DSCR loan calculator in USD: the debt service coverage ratio of a rental property, rent divided by PITIA, and the largest loan that meets a lender's DSCR.US loan refinance calculatorUS loan refinance calculator in USD: the new payment, interest saved after closing costs and the break-even month when you refinance a personal or auto loan.US how long to pay off a loan calculatorHow long to pay off a loan in the US: the months to payoff, final payment and date, and total interest from the balance, interest rate and monthly payment.US zero interest loan calculatorUS zero interest loan calculator in USD: 0% APR financing against a cash rebate with a bank loan, the payment on each and which costs less in total.US LTC loan calculatorUS LTC loan calculator in USD: loan to cost and loan to ARV for a fix-and-flip or construction loan, the most a lender would fund and the cash you need.US loan interest accrual calculatorUS loan interest accrual calculator in USD: interest accrued on a loan between two dates and the per diem, using a 365 or 360-day year.US credit insurance calculatorUS credit insurance calculator in USD: what a single-premium credit insurance policy added to your loan really costs, including the interest on the premium.

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IN THIS COLLECTION

Planned loan calculators

Calculators we're building next in this category.

01Loan calculator variable interest ratePlanned
02Interest only balloon loan calculatorPlanned
03Mis sold loan compensation calculatorPlanned
04Loan and down payment calculatorPlanned
05Depreciating loan calculatorPlanned
06Discount loan calculatorPlanned
07Loan loss provision calculationPlanned
08Balloon loan calculator with extra paymentsPlanned
09Interest only loan payoff calculatorPlanned
10Loan forgiveness calculatorPlanned
11Calculate future value of loanPlanned
12Loan inflation calculatorPlanned
13Loan calculator different interest ratesPlanned
14Loan rebate calculatorPlanned
15Simple interest only loan calculatorPlanned
16Loan calculator interest vs principalPlanned
17Loan restructuring calculatorPlanned
18Loan and tax calculatorPlanned
19Top up loan calculatorPlanned
20Loan return calculatorPlanned
21Loan to equity calculatorPlanned
22Combined loan calculatorPlanned
23Loan calculator with negative equityPlanned
24How to calculate non performing loanPlanned
25Loan fee calculatorPlanned
26Calculate interest on loan reducing balancePlanned
27Deferred loan payment calculatorPlanned
28Loan calculator with taxesPlanned
29Calculate present value of a loanPlanned
30Loan recast calculatorPlanned
31Diminishing loan calculatorPlanned
32Loan repayment vs investment calculatorPlanned
33Loan final payment calculatorPlanned
34Rule of 78 loan calculatorPlanned
35Combination loan calculatorPlanned
36Loan drawdown calculatorPlanned
37Loan stamp duty calculatorPlanned
38Graduated loan calculatorPlanned
39Adjustable loan calculatorPlanned
40Combined loan to value calculatorPlanned
41Fixed principal loan calculatorPlanned
42Daily interest loan payoff calculatorPlanned
43Loan calculator with interest only periodPlanned
44Irr loan calculatorPlanned
45Irregular loan payment calculatorPlanned
46Simple vs compound interest loan calculatorPlanned
47Loan loss rate calculationPlanned
48Loan calculator with taxPlanned
49Loan life coverage ratio calculationPlanned
50Loan calculator with pmiPlanned
51Negative amortization loan calculatorPlanned
52Net loan calculatorPlanned
53Loan npv calculatorPlanned
54Advance loan payment calculatorPlanned
55Loan calculator with interest free periodPlanned
56Vat loan calculatorPlanned
57Blended loan calculatorPlanned
58Calculate daily interest rate on loanPlanned
59Calculate apr on interest only loanPlanned
60Amortised cost loan calculatorPlanned
61How to calculate average loan sizePlanned
62Loan amortization calculator with start datePlanned
63Dscr interest only loan calculatorPlanned
64Dsr loan calculatorPlanned
65Joint loan dsr calculationPlanned
66Loan buydown calculatorPlanned
67Arm loan calculator with extra paymentsPlanned
68Factor rate loan calculatorPlanned
69Interest calculated daily on a loanPlanned
70Compound interest only loan calculatorPlanned
71Loan overpayment calculator term vs amountPlanned
72Loan emi calculator flat vs reducingPlanned
73Calculate loan constantPlanned
74How to calculate loan default ratePlanned
75Loan forgiveness tax calculatorPlanned
76Calculating tax-shield on loanPlanned
77Gross loan portfolio calculationPlanned
78How to calculate loan recovery ratePlanned
79Calculating interest free loan benefitPlanned
80Loan calculator with feesPlanned
81Loan coverage calculationPlanned
82Loan to value deposit calculatorPlanned
83Loan calculator with missed paymentsPlanned
84Loan calculator with multiple extra paymentsPlanned
85Loan closing costs calculatorPlanned
86Loan calculator with residual balancePlanned
87Loan calculator pitiPlanned
88Loan calculator bi weekly vs monthlyPlanned
89Loan interest calculated daily vs monthlyPlanned
90Loan calculator with trade inPlanned

CALCULATOR INPUTS AND METHODS

General loan calculations calculator inputs and methods

Choose the calculation that matches your question and the inputs you have. Each calculator in the loan calculators collection explains its inputs, method and result limitations.

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