Debt Calculators

Amortisation Schedule Calculator

See how a standard amortising loan splits between principal and interest in year 1. Enter loan amount, annual rate, and term to see monthly payment too.

Annual Cost of Credit Calculator

Calculate total annual interest cost across all your debt balances and rates. Enter credit card balance and credit card apr to size total interest cost.

APR vs Flat Rate Comparison Calculator

Convert flat rate loan quote to APR equivalent. See the true effective interest rate vs the quoted flat rate. Enter loan amount to compare repayment strategies.

Auto Loan Comparison Calculator

Compare two auto loan offers side by side on monthly payment and lifetime interest paid — find the cheaper option at your loan size and term.

Auto Loan Lifetime Cost Calculator

Calculate total lifetime auto-loan cost across several cars and loan terms. Enter typical loan amount to see total principal + interest across the vehicles.

Auto Loan Payoff Calculator

Calculate auto loan payoff timeline with optional extra payments. See interest saved and total paid to map your payoff timeline.

Auto Loan Refinance Calculator

Estimate total interest saved by refinancing an auto loan at a lower rate. See old and new monthly payments, monthly savings, and savings as a share of the balance.

Bad Credit Loan Calculator

Total cost of a bad-credit loan including origination fees: monthly payment, total interest, total cost of borrowing, and effective APR.

Balance Transfer Savings Calculator

Compare staying on a card vs a balance transfer with a real declining-balance simulation. See net interest saved, payoff months, and fee break-even.

Boat Loan Calculator

Calculate fixed monthly payment, total paid, and total interest on a boat loan. Enter loan amount, annual rate, and term in years to see the full cost.

Buy Now Pay Later True Cost Calculator

True cost of a Pay-in-X BNPL purchase including merchant markup and late fees, annualised against the pay-period to show the effective rate the buyer pays.

Car Loan Calculator

Calculate fixed monthly car loan payment, total interest, and total paid over the term. Enter car price, down payment, annual rate, and term in months.

Car Loan EMI Calculator

Calculate car loan EMI, total interest, and total repayment. Enter car price, annual rate, term in months, and deposit to see the financed amount.

Commercial Loan 365/360 Calculator

Compare commercial loan payment under 365/360 vs standard 365/365 amortisation. See the extra cost across the term and the true effective annual rate.

Commercial Loan DSCR Calculator

Calculate Debt Service Coverage Ratio (DSCR) from annual NOI and debt service. See coverage status, excess cash flow, and NOI cushion to break-even.

Credit Card Payoff Calculator

Calculate months to clear a credit card balance at a fixed monthly payment, plus total interest paid. Enter balance, APR, and payment to see the full cost.

Credit Utilization Calculator

Calculate credit utilization with band classification, available credit, and the reduction or headroom to common scoring thresholds (30% and 10%).

Debt Avalanche Calculator

Estimate avalanche payoff time and total interest. Combined balance at the highest rate. See months, total interest, and first month's interest.

Debt Consolidation Break-Even Calculator

Calculate months to break even on debt consolidation. Enter monthly savings and fees; see break-even months, years, and net position at 1/3/5 years.

Debt Consolidation Calculator

Compare paying off existing debts vs consolidating into one new loan. See total cost saved or added, monthly payment change, and months difference.

Debt Consolidation With User-Entered Rates

Calculate the consolidation monthly payment and compare total interest against the same payment applied at the current rate. Apples-to-apples comparison.

Debt Free in 5 Years Calculator

Calculate the fixed monthly payment that clears a debt in exactly 5 years at a given rate. Returns total paid, total interest, and interest share.

Debt-Free Number Calculator

Calculate months to clear a combined debt balance at a fixed monthly payment and weighted-average rate. Returns total paid, interest, and interest share.

Debt Management Plan Calculator

Estimate how long a Debt Management Plan takes to clear a debt at a given monthly payment, with interest frozen or accruing at an assumed rate.

Debt Payoff Calculator

Calculate months to pay off a debt at a fixed monthly payment, plus total interest paid and estimated payoff date. Discrete monthly simulation.

Debt Payoff Motivation Calculator

Compare debt payoff at the minimum payment alone vs minimum plus an extra payment. See months and interest saved by adding the extra contribution.

Debt Ratio Health Score Calculator

Score debt position 0-100 from total debt, monthly income, and savings. Combines two ratios into a single educational figure with explicit score curves.

Debt Snowball Calculator

Estimate snowball debt payoff using total balance, average rate, and monthly payment. See months to clear, total interest, and first-debt clearance.

Debt Snowball vs Avalanche Calculator

Compare avalanche vs snowball debt payoff strategies on two debts. See months to clear, total interest, and the difference between the two strategies.

Debt Spiral Risk Calculator

Calculate debt spiral risk from total debt, take-home income, minimum payments, and discretionary income. Returns a 0-100 score with component breakdown.

Debt-to-Income Ratio Calculator

Calculate debt-to-income ratio and understand how lenders evaluate loan applications. Compare total monthly debt payments against gross monthly income.

Early Repayment Cost Calculator

Compare early repayment charge against interest saved by paying off a loan or mortgage early. Returns net benefit, break-even months, and net per month.

Gold Loan Calculator

Estimate gold loan amount, monthly payment, and total interest from gold value, LTV, rate, and term. Returns standard amortisation in any currency.

Ijara Lease Calculator

Estimate Ijara Islamic-lease monthly payments. Enter asset value, term, profit rate, and residual to see rent, profit portion, and total if purchased.

Interest Capitalisation Calculator

Calculate how a deferred-payment loan balance grows when unpaid interest is capitalised. Compound-interest formula on balance, rate, and deferral years.

Interest-Free Loan Calculator

Monthly repayment on an interest-free loan from principal and term — returns monthly amount, total repaid, and zero interest by definition.

Interest-Only Mortgage Trap Calculator

Compare interest-only against repayment mortgage cost on the same balance, rate, and term. Returns the extra cost (trap) plus monthly and total figures.

Islamic Finance EMI Calculator (Murabaha)

Estimate the monthly Murabaha (cost-plus) Islamic-finance payment from asset price, profit rate, and term. Returns monthly amount, total paid, and profit share.

Late Fee Impact Calculator

Estimate the total cost of recurring late-payment fees on credit cards or bills. Returns total over period plus per-year and per-month averages.

Loan Affordability Calculator

Estimate the maximum loan affordable under a debt-to-income cap from income, existing debts, term, and the prevailing rate.

Loan Comparison Calculator

Compare two loans side-by-side on lifetime cost. Returns monthly payment, total repaid, and total interest for each, plus the difference between them.

Loan Early Payoff Calculator

Estimate months and interest saved by paying extra each month on a fixed-rate loan. Returns months saved, interest saved, and new payoff month count.

Loan EMI Calculator

Calculate loan EMI from principal, rate, and tenure. Returns monthly payment, total repayment, total interest, and interest as a percentage of principal.

Loan Interest Multiplier

Estimate total interest paid on a fixed-rate loan and the ratio of interest (and total payback) to the original principal. Includes 15-year comparison.

Loan Refinance Savings Calculator

Estimate net loan refinance savings after closing costs. Returns monthly savings, gross lifetime savings, net savings, and break-even months.

Loan True Cost Calculator

Calculate the true total cost of a loan including all fees. Returns cost of borrowing, total payments, fees, and cost as a percentage of principal.

Medical Debt Payoff Calculator

Estimate medical debt payoff cost vs lump-sum settlement. Returns total plan cost, months, interest, settlement amount, and settlement savings.

Microfinance Loan Calculator

Estimate microfinance loan weekly payment, total cost, and effective APR including processing fees. Returns the headline cost on short-term small loans.

Minimum Payment Credit Card Trap Calculator

Estimate how long minimum-only credit-card payments take to clear the balance. Returns time to payoff, total paid, total interest, and interest ratio.

Motorcycle Loan Calculator

Estimate motorcycle loan monthly payment, total interest, and total cost from price, rate, term, and deposit. Returns a like-for-like fixed-rate amortisation.

Murabaha Calculator

Estimate Murabaha total cost, profit mark-up, monthly payment, and APR-equivalent. Compares stated flat rate to declining-balance APR for like-for-like contrast.

Overdraft Annual Cost Calculator

Estimate annual overdraft cost from average balance, days in overdraft, APR, and account fees. Returns interest, fees, and total annual cost.

Overdraft Fee Annual Cost Calculator

Calculate the annual cost of regular overdraft usage using your daily fee, days overdrawn per month, balance, and any monthly fee cap.

Payday Loan True Cost Calculator

Calculate the annualised APR and total fees of a payday loan including rollovers — the real cost of short-term cash bridged with high-fee credit.

Personal Loan Calculator

Calculate the monthly repayment and cumulative interest on a personal loan using standard amortisation, given amount, rate, and term.

Personal Loan EMI Calculator

Calculate personal loan monthly EMI and total cost using standard amortisation. Enter loan amount, interest rate to compare repayment strategies.

Personal Loan vs Credit Card Calculator

Compare a personal loan against a credit card balance at the same monthly payment. See total interest under each option and the cheaper choice.

Personal Loan vs Line of Credit Calculator

Compare total interest cost between a personal loan and a line of credit at chosen rates and payoff periods. Free calculator with the working shown.

Remaining Loan Balance Calculator

Calculate the remaining balance on an amortising loan after any number of payments. Returns balance, principal paid, interest paid to date, and monthly payment.

Student Loan Calculator

Calculate monthly repayment and cumulative interest on a student loan from outstanding balance, interest rate, and remaining term in years.

Student Loan Forgiveness Timeline

Project the remaining balance at the end of a student loan forgiveness period from balance, monthly payment, rate, and period. Free educational calculator.

Student Loan vs Invest Calculator

Compare deploying extra monthly cash toward an existing student loan vs investing it. Returns interest saved, investment future value, and the projected gap.

Total Debt Cost Calculator

Calculate the total lifetime cost of up to three debts under fixed monthly payments and months remaining. Free calculator with the working shown.

Total Interest Paid Lifetime

Calculate total lifetime interest across up to three debts using a weighted-average rate amortisation. Returns total interest, months to clear, and total paid.

True Cost of Debt Calculator

Layered loan cost combining total interest, fees, and the foregone-investment gap from monthly payments. Returns each layer plus the combined figure.