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
- Credit card minimum payment simulator – payoff time & interest | CalcBE
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.
- Debt-to-income (DTI) ratio calculator | CalcBE
Enter monthly income and monthly debt payments to compute your DTI percentage and a quick category label. Shareable URL and copy results included.
- EMI calculator (loan EMI, monthly payment) | CalcBE
Calculate EMI (Equated Monthly Installment) from principal, annual interest rate, and term. See monthly payment, total paid and interest, with an easy shareable URL.
- Loan amortization schedule (with CSV export) | CalcBE
Build an amortization schedule with principal, interest, and balance per payment. Model extra payments and export the table as CSV.
- Biweekly loan amortization schedule (CSV export) | CalcBE
Compute a biweekly amortization schedule (26 payments/year), include extra payments, and export the table to CSV.
- 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.
- APR to APY (EAR) Calculator — monthly and daily rates | CalcBE
Convert APR to APY/EAR and monthly or daily rates, or reverse the calculation to compare loans, credit cards, and savings. Includes presets and shareable URLs.