Free, accurate calculators for every borrowing decision. Estimate payments, compare terms, and understand your true costs — no credit check, no sign-up.
Estimate your monthly house payment including principal, interest, property taxes, and insurance (PITI). Compare 15, 20, and 30-year loan terms.
See if refinancing saves you money. Calculate break-even timeline, monthly savings, and lifetime interest reduction. Supports cash-out refinance.
Calculate auto loan payments with trade-in value, sales tax, and dealer fees. Compare loan terms from 24 to 84 months.
Estimate personal loan payments with credit score rate guide and origination fee transparency. See total cost across different terms.
Calculate home equity line of credit limits, LTV ratios, and estimated payments. Includes payment shock warning and HELOC vs. HEL comparison.
Compare student loan repayment plans — Standard, Graduated, and Extended. See how different plans affect monthly payments and total interest.
Enter multiple debts and see if consolidation saves money. Compare weighted average APR, monthly payments, and break-even timeline.
Not sure which calculator to use? Here's a quick comparison of typical loan amounts, terms, and rates.
| Loan Type | Typical Amount | Typical Term | Typical APR Range | Secured? |
|---|---|---|---|---|
| Mortgage | $200K – $500K | 15–30 years | 6.0% – 7.5% | ✅ Home |
| Refinance | $150K – $400K | 15–30 years | 5.8% – 7.2% | ✅ Home |
| Auto Loan | $15K – $50K | 2–7 years | 4.5% – 12% | ✅ Vehicle |
| Personal Loan | $5K – $50K | 2–7 years | 6% – 24% | ❌ Unsecured |
| HELOC | $25K – $200K | 10–20 years | 7% – 10% | ✅ Home |
| Student Loan | $20K – $100K | 10–25 years | 4% – 13% | ❌ Unsecured |
| Debt Consolidation | $10K – $75K | 3–7 years | 6% – 20% | Varies |
Rates are approximate national averages as of early 2026. Your actual rate depends on credit score, income, and lender.
Start with the Mortgage Calculator to estimate monthly payments. If you're tapping existing equity for the down payment, also check the HELOC Calculator.
Use the Refinance Calculator to see if refinancing your current mortgage saves money. Check the break-even timeline to make sure closing costs are worth it.
The Auto Loan Calculator handles trade-ins, sales tax, and dealer fees. Compare 36, 48, 60, and 72-month terms to find your sweet spot.
Use the Debt Consolidation Calculator to see if combining debts into one loan lowers your monthly payment and total interest. Then check Personal Loan Calculator for rates.
The Student Loan Calculator compares Standard, Graduated, and Extended repayment plans. See how each affects your monthly payment and total cost.
Yes — all 7 calculators on Loan.ai are completely free, with no sign-up or credit check required. Use them as many times as you like to compare loan options.
No. Our calculators use the information you enter manually — they never pull your credit report. Your credit score is completely unaffected.
Our calculators use standard amortization formulas used by lenders. Results are estimates based on your inputs. Actual rates and terms from lenders may vary based on your credit profile, income, and other factors.
It depends on your goal: use the Mortgage Calculator if buying a home, the Refinance Calculator if you already own one and want better rates, the Auto Loan Calculator for car financing, the Personal Loan Calculator for general borrowing, the HELOC Calculator to tap home equity, the Student Loan Calculator for education debt, and the Debt Consolidation Calculator if you have multiple debts to combine.
Absolutely. Many borrowers use multiple calculators to compare options — for example, a HELOC vs. a personal loan for home improvement, or refinancing vs. debt consolidation to lower overall payments.
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