Loans & Debt calculators
Pay off loans and debt faster — and for less interest.
Debt is easier to get into than out of, and the difference between a good and bad payoff plan is measured in years and thousands in interest. These calculators help you take control: compare the snowball and avalanche strategies across all your debts, see how fast a credit card balance clears at a given payment, and check whether a 0% balance transfer actually saves money once the fee is counted.
For borrowing decisions, work out the monthly payment and total interest on a personal loan, a car loan, or a student loan — the last localized for US, UK, Canadian, and Australian repayment systems. Deciding how to finance a car? Compare leasing versus buying.
To go deeper, read snowball vs. avalanche and are balance transfers worth it?
7 loans & debt calculators
Loan repayment
Monthly payment & total interest
Car loan calculator
Monthly payment & total cost
Student loan calculator
Repayments & payoff by country
Debt payoff
Snowball vs. avalanche
Credit card payoff
Payoff time & interest
Balance transfer
Fee vs. interest saved
Lease vs. buy (car)
True cost over the term
Guides on loans & debt
Debt Snowball vs. Avalanche
Which repayment strategy pays off debt faster and saves more interest.
8 min read
Are Balance Transfers Worth It?
The fee-vs-savings math, the 0% intro trap, and how to clear the balance in time.
9 min read
Pay Off Debt or Invest? The Math That Decides
Compare your debt's interest rate against expected returns — the guaranteed-vs-uncertain framework, and where the line sits.
9 min read
The True Cost of Owning a Car (Beyond the Sticker Price)
Depreciation, financing, insurance, fuel, and maintenance — the full running cost most buyers underestimate.
9 min read
The True Cost of Paying Only the Minimum on a Credit Card
Why minimum payments keep you in debt for decades, the maths behind the trap, and how to escape it.
8 min read
Good Debt vs Bad Debt: Which Is Worth It?
Not all borrowing is equal. How to tell debt that builds wealth from debt that drains it — and where the grey areas sit.
8 min read
How to Build Credit From Scratch
What a credit score is, what moves it, and the practical steps to build one from zero — without going into debt.
8 min read
Popular scenarios
Pre-calculated answers for the most common questions.