How to plan a loan
- Start with amount, rate, and term in the loan calculator.
- Check the schedule to see total interest and payoff timing.
- Use affordability (and DTI) to sanity-check your payment.
- For mortgages, add down payment and compare scenarios.
Recommended (top 3)
Start here for the most common loan questions.
Calculators
- Loan calculator – monthly payment and interest | CalcBE
Enter loan amount, APR and term to calculate monthly payment and total interest. Free online loan calculator for mortgages, car loans and personal loans.
- Mortgage repayment planner – monthly payments, lump sums and refinance scenarios | CalcBE
Simulate mortgage repayments with equal payment or equal principal methods, include bonus payments, lump-sum prepayments, and compare refinance scenarios side by side.
- Loan amortization calculator – schedule & CSV | CalcBE
Create a loan amortization schedule with principal, interest and balance per payment, test extra payments to see interest savings, and export table as CSV.
- Biweekly Loan Amortization Schedule (CSV Export)
Compute a biweekly amortization schedule (26 payments/year), include extra payments, and export the table to CSV.
- Loan Affordability (Max Principal by EMI Ratio)
Estimate maximum EMI and principal from monthly income, EMI ratio, annual rate, and term. Shareable URL. Educational only.
- EMI Calculator (Loan EMI, Monthly Payment)
Calculate EMI (Equated Monthly Installment) from principal, annual interest rate, and term. See monthly payment, total paid and interest, with an easy shareable URL.
- Debt-to-Income (DTI) Calculator
Enter monthly income and monthly debt payments to compute your DTI percentage and a quick category label. Shareable URL and copy results included.
- Credit Card Minimum Payment Simulator
Estimate months to payoff and total interest by entering balance, APR, and your card’s minimum payment policy (rate and/or fixed amount). Shareable URL included.
- Mortgage and Loan Repayment Burden Checker | CalcBE
Check your debt-to-income (DTI) ratio for a planned mortgage and other loans, and estimate how much you can safely borrow based on your income and target repayment burden.
- Compound Interest Calculator (Future Value & Effective Annual Rate) | CalcBE
Estimate future value and Effective Annual Rate from APR, compounding frequency, years, and optional monthly contributions. Copy a shareable result link.
- Credit Card Payoff & Debt Snowball Calculator | CalcBE
Estimate payoff time, total interest, and compare debt snowball vs. avalanche for multiple credit cards using your balances, APRs, minimum payments, and monthly budget.
- Deposit interest calculator: future value & EAR | CalcBE
Find future value, interest, and EAR from deposit amount, rate, years, and compounding choice. Instant browser results help you compare savings options.