Loan Payment Calculators, Built
By a Consumer, for Consumers

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The free online loan payment calculators and repayment tools in this section will help you to think for yourself ... rather than relying on others (self-serving lenders) to do your thinking for you.

I am building these free online interactive worksheets to help you to forecast the net-consequences of your borrowing decisions -- before you make them -- so you can act in your own best interest instead of in the lenders' best interests.

And what sets these calculators apart from the others you will find online, is that the ones I create actually include the trade-offs (opportunity costs) of borrowing money.

For example, several of the borrowing-related calculating tools include a field for entering your real hourly wage, which is used to calculate how much time you will need to spend at work in order to pay the interest cost of the loan. How's that for different? And that's just the tip of the opportunity cost iceberg.

Below is the current list of loan-related calculators you can use for becoming an informed decision-maker when it comes to borrowing money and paying back money owed:

Loan Payment Calculators Currently Available

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Early Payoff Calculators

Early Loan Payoff Calculator
See how adding just a few dollars a day to your payment can pay off big time -- in both time and money. Now includes the option of displaying a revised amortization schedule with the results, plus a button to open the schedule in a printer friendly window.

Loan Comparison Calculators

Fixed Payment Loan Comparison Calculator
This free online interactive worksheet will calculate the side-by-side payment and interest cost comparison for up to four different loans.

Monthly to Biweekly Loan Payment Calculator
This free online calculator will calculate the time and interest you will save if you switch from making monthly loan payments to bi-weekly loan payments. You also have the option to add extra principal payments on either on a bi-weekly or monthly basis. The results include a time and interest comparison chart, a bar graph, and a biweekly amortization schedule. The page also includes 2 mini conversion calculators (Bi-weekly to Monthly, and Monthly to Bi-weekly).

Loan Balance Calculators

Daily Interest Calculator to Calculate Simple or Compounding Interest
This free online daily interest loan calculator will help you to calculate and track the accruing interest on an interest-bearing promissory note or personal loan. The calculator allows you calculate daily interest between dates or for a specified number of days, and allows you to create a schedule of interest accrual periods for keeping a running balance over time, including rate changes and increases and decreases to the principal. Also includes a printer friendly report so you can just start from where you left off on your next visit.

Lender Loan Balance Calculator for Sporadic and Uneven Repayments
This free online loan balance calculator will help you to find the balance for loan repayments that have not been made in accordance with the original terms. The calculator creates a monthly payment schedule based on the span of time you specify, wherein you change the contract payment amounts to match the actual payments made (the balance column updates as you make changes). Plus, you can even extend the payment schedule beyond the original number of payments for cases where skipped payments have extended the length of the loan. Also handles late fees, US Rule or Normal methods, and includes an optional printer friendly revised loan amortization schedule.

Loan Pay Off Calculator for Variable, Irregular, Extra, and Balloon Payments
This free online loan pay off calculator will help you to create a revised loan amortization schedule based on payments you have made (and/or will make) that were different from those specified in the original loan agreement -- but that will still result in paying off the loan within the length of time set forth in the original terms. Also includes an optional printer friendly revised loan pay off chart, complete with the principal-interest breakdown and outstanding balance for each payment period.

Remaining Balance Calculator to Calculate Loan Payoff Amount
This free online loan balance calculator will calculate the payoff amount and number of payments made for an existing loan based on the month and year of the first payment. Also includes an optional printer friendly schedule of payments made, complete with the principal and interest breakdown for each payment made.

Loan Payment Calculators

Balloon Loan Payment Calculator with Amortization Schedule
This free online interactive worksheet will calculate the monthly payment, interest cost, and balance due on any combination of balloon loan terms -- plus give you the option of including an amortization schedule with the results.

Bi-weekly Loan Calculator
This free online interactive worksheet will calculate your biweekly payment, plus show you how the payment amount and interest charges compare to other payment intervals.

Figure Loan Payments Calculator
This free online interactive worksheet will calculate the payment, interest cost, and work hours required to pay back a loan.

Loan Interest Payment Calculator
This free online interactive worksheet will calculate the interest-only payment on a principal balance for all of the most popular payment frequencies.

Simple Loan Payment Calculator
This simple calculator will get your feet wet with using our tools for calculating the consequences buying on credit.

LTV and HELOC Calculators

Loan to Value (LTV) Calculator
This free online interactive worksheet will calculate your LTV ratio for either your current home, or a home you are looking to buy.

Line of Credit Loan Calculator
This calculator will calculate and compare the equity line of credit limits, interest-only payment amounts, and the 10-year interest costs for up to four different lender loan-to-value (LTV) ratios at one time.

Missing Term Calculators

Missing Term Loan Calculator
This free online interactive worksheet will calculate the unknown variable given the other three known variables. Very useful for calculating the current payoff amount.

Free Loan Amortization Calculator
This free online tool will calculate the unknown loan variable if the other three variables are known, plus give you the option to create and print a free loan amortization schedule. Also allows you to find the missing term for non-monthly payment intervals (weekly, bi-weekly, etc.).

Loan Affordability Calculator
This calculator will calculate the size of the loan you can take out based on the size of the periodic payment you can afford to make. Simply enter the rate, number of payments, and payment amount you can afford, and the calculator will tell you the size of the loan (principal). Plus, if you are a private lender, the calculator also provides for up to 8 rate and/or payment modifications to help you tailor the loan to your customer's current and future financial situation. Also includes a printer friendly amortization schedule.

Future Loan Calculators Planned for this Section

The following is a list of calculators that I plan to add to this section as I have time. I'm basically adding loan amortization, payment, payoff and interest calculators to in the order from highest demand to lowest demand, so if you see a calculator in the following list you want me to put on the high priority list, please let me know.

  • Boat Loans Payment Calc
  • Canadian Loans Calc
  • Rv Loans Payment Calc

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