Loans & debt

Early Loan Repayment SavingsSee how an extra monthly payment changes your payoff date and the total interest you pay. 1 min Refinance Break-EvenCompare closing costs with monthly savings to find the month a new loan starts paying for itself. 1 min Debt Payoff PlannerCompare avalanche and snowball plans, get a debt-free date, and see how extra payments reduce interest. 2 min 118 118 Money Early RepaymentEstimate your settlement figure under the 28/58-day Consumer Credit Act cap. 2 min Payday Loan True CostThe $15-per-$100 fee is 391% APR. See the number and the rollover spiral. 2 min Loan Comparison CalculatorCompare two fixed-rate loans using payment, interest, upfront fees, total cost, and your expected holding period. 2 min Debt Repayment Strategy CalculatorCompare debt avalanche and debt snowball repayment orders using balances, APRs, minimum payments, and extra monthly cash. 2 min Loan Payment CalculatorCalculate a fixed-rate payment, interest, payoff time, fees, and the effect of extra payments.2 min APR and True Loan Cost CalculatorConvert rate, origination fees, closing costs, and mandatory products into approximate APR and total cost.2 min Credit Card Payoff CalculatorCompare minimum and accelerated card payments using payoff time, interest, and savings.2 min Debt-to-Income CalculatorCalculate front-end and back-end debt ratios from housing, cards, auto, student, and other required payments.2 min Loan Affordability CheckerEstimate a cash-flow-safe borrowing amount after essentials, existing debt, savings, benefits, and a safety buffer.2 min Overdraft Cost CalculatorTurn overdraft frequency, paid-item fees, extended fees, days negative, and bank choice into annual cost.2 min Buy Now, Pay Later Cost CalculatorAdd late fees, overdrafts, interest, installments, and cash-buffer stress to a BNPL purchase.2 min Personal Guarantee Risk CalculatorEstimate uncapped or capped personal exposure after business collateral, legal costs, and default probability.2 min Co-Signer Risk CalculatorEstimate possible co-signer liability, probability-weighted loss, recovery, fees, and impact on planned borrowing.2 min Late Payment Interest CalculatorCalculate simple or monthly-compounded default interest, fixed fees, and an itemized amount due.2 min Debt Collection Fee CheckerOrganize principal, interest, collection fees, attorney costs, contract authority, judgments, and state-law questions.2 min Settlement Offer CalculatorCompare lump-sum settlement, possible canceled-debt tax, side costs, and a repayment plan.2 min Missed Payment Action PlannerPrioritize housing, utilities, essential transport, unsecured debt, hardship calls, and available assistance after a missed payment.2 min Debt Limitation-Period CheckerCompare debt age, an editable state limitation period, restart events, lawsuits, judgments, and special debt types.2 min Repossession Shortfall CalculatorEstimate a deficiency after sale proceeds, repossession costs, legal fees, accrued interest, and credits.2 min Bankruptcy Cost ComparatorCompare modeled repayment, settlement, bankruptcy costs, arrears, and nonexempt asset exposure.2 min Student Loan Repayment CalculatorCompare standard amortization with an editable simplified income-driven federal payment.2 min Variable Interest Rate Stress TestShow loan payments at the current rate and progressively higher rates against household income.2 min