Loan Calculator

Punch in a loan amount, an interest rate, and a term, and this calculator breaks down exactly what you'll owe each month — and how much of that payment goes toward interest versus principal. It's the kind of clarity that's hard to get from a bank's summary page, where the full cost of borrowing often gets buried in fine print.

The amortization breakdown is where it earns its keep. You can watch how early payments are heavily weighted toward interest, and how that ratio shifts over time. Useful for comparing a 3-year term against a 5-year one before you commit to anything.

If you're thinking about the borrowing side of a bigger financial picture, Mortgage Calculator covers similar ground but focuses on home loans with full amortization schedules. For everything else involving interest and returns, the broader finance category has tools worth browsing. Works best on a keyboard — entering and tweaking numbers is faster when you can tab between fields.