Financial tool map
Loans & debt
Payments, interest, credit cards, vehicle loans, and payoff plans.
Choose the tool whose inputs and output match your task. Check each calculator’s assumptions and limitations before using its result.
Latest update:
These tools turn a loan into numbers you can plan around: the monthly payment, the total interest, and how long a payoff really takes. Start with the loan calculator when you have a fixed-rate installment loan of any kind — it shows payment, interest, total paid, and term in one view. The credit card calculator fits a revolving balance, estimating how many months a fixed monthly payment needs to retire it. For a vehicle purchase, the car payment scenario calculator works backward from an income share to a scenario car price; for education debt, the student loan payment calculator shows how extra payments shorten payoff. Find related savings and money tools in the Financial collection.
72 of 72 calculators
Loans & debt72 calculators
50/30/20 Rule Calculator
Split monthly after-tax income into the classic 50/30/20 budget buckets for needs, wants, and savings or debt repayment, with a worked example and practical adjustment tips.
Updated
A/R Days (Days Sales Outstanding) Calculator
Calculate A/R days from accounts receivable, net credit sales, period days, and an optional average receivable balance to evaluate collection speed.
Updated
After-Tax Cost of Debt Calculator
Estimate after-tax cost of debt from a before-tax borrowing rate, pre-tax income, and net income using the tax shield formula.
Updated
Altman Z-Score Calculator
Calculate the classic Altman Z-Score using five weighted ratios for liquidity, retained earnings, operating profit, market leverage, and asset turnover.
Updated
Amortization Calculator
Build a principal-and-interest amortization schedule with monthly payment, total interest, payoff time, and first-year principal details.
Updated
APR Calculator
Estimate a loan annual percentage rate from stated interest, compounding, payment frequency, rolled-in fees, and up-front fees.
Updated
APY Calculator
Convert a nominal APR, compounding frequency, deposit, and term into annual percentage yield, final deposit value, and interest earned.
Updated
Average Collection Period Calculator
Calculate average collection period from average accounts receivable, credit sales, period days, and credit terms to evaluate invoice collection speed.
Updated
Balance Transfer Calculator
Compare a credit card balance transfer against the old card after transfer fees, promotional APR, regular APR, and payments.
Updated
Verified
Bike EMI Calculator
Estimate the monthly EMI, total payable, and interest due for a motorcycle, scooter, e-bike, or bicycle loan using principal, rate, and term.
Updated
Blended Rate Calculator
Calculate the weighted-average interest rate across multiple balances and estimate one-period interest from the combined balance.
Updated
Business Loan Calculator
Estimate business loan payments, net proceeds, total interest, finance charges, APR, and effective APR after origination and other fees.
Updated
California Income Tax Calculator
Estimate California state income tax from AGI, filing status, deductions, dependents, progressive brackets, exemption credits, and the mental health tax.
Updated
CAPM Calculator (Capital Asset Pricing Model)
Estimate required or expected return with CAPM using the risk-free rate, broad market return, beta, market risk premium, and asset risk premium.
Updated
Car Depreciation Calculator
Estimate car value, total depreciation, value lost percentage, and next-year value from first-year and later annual depreciation rates.
Updated
Car Payment Scenario Calculator
Calculate a scenario car price from an entered income share, down payment, trade-in value, APR, and loan term.
Updated
Cash Back Calculator
Estimate cash back rewards, capped rewards, net purchase cost, effective reward rate, and remaining room before a cash back limit.
Updated
Cash Flow to Debt Ratio Calculator
Calculate cash flow to debt ratio from operating cash flow, short-term debt, and long-term debt, with percent coverage and debt-to-cash-flow multiple.
Updated
Child Tax Credit Calculator
Estimate the federal child tax credit and credit for other dependents from filing status, AGI, qualifying children, other dependents, phaseout, and refundable-limit assumptions.
Updated
Cost of Capital Calculator
Estimate a simplified company hurdle rate by adding the entered cost of debt and cost of equity, then compare it with an expected project return.
Updated
Verified
Cost of Equity Calculator
Estimate shareholder required return with either the dividend growth model or CAPM, including dividend yield, beta-adjusted premium, and risk-free-rate inputs.
Updated
Coupon Rate Calculator
Convert a bond's coupon paid each period and payment frequency into annual coupon dollars and the stated coupon rate on face value.
Updated
Credit Card Calculator
Estimate credit card payoff time, total interest, total paid, final payment, and payment risk when monthly charges continue.
Updated
Credit Card Interest Calculator
Estimate billing-cycle credit card interest from average daily balance, APR, cycle days, and optional fees.
Updated
Credit Card Minimum Payment Calculator
Estimate a credit card minimum due from statement balance, percentage rule, dollar floor, and past-due amount.
Updated
Credit Spread Calculator
Compare a corporate bond yield with a Treasury or government benchmark, convert the difference to basis points, and estimate the annual dollar spread on face value.
Updated
Credit Utilization Calculator
Estimate credit card utilization, open credit, and payments needed to reach 30 percent or 10 percent utilization targets.
Updated
Days Payable Outstanding (DPO) Calculator
Calculate days payable outstanding from average payables, estimated purchases, and period days, then interpret supplier payment timing in the cash conversion cycle.
Updated
Debt Calculator
Compare minimum payments, debt snowball, debt avalanche, and consolidation for multiple debts with a strategy-by-strategy payoff view.
Updated
Debt Payoff Calculator
Estimate debt payoff time, total interest, total paid, and the final smaller payment for one balance with a fixed monthly payment.
Updated
Debt to Asset Ratio Calculator
Calculate the debt to asset ratio from short-term debt, long-term debt, and total assets, then interpret how much of the balance sheet is financed by borrowing.
Updated
Debt to Equity Ratio Calculator
Calculate a company's debt-to-equity ratio from total liabilities and shareholder equity, then interpret leverage as a business finance metric.
Updated
Debt-to-Capital Ratio Calculator
Calculate the debt-to-capital ratio from interest-bearing debt and shareholders' equity, then evaluate how much of the capital structure is funded by lenders.
Updated
Deferred Payment Loan Calculator
Estimate how payment deferment changes loan balance, accrued interest, post-deferment monthly payment, repayment length, and extra interest versus no deferment.
Updated
Discretionary Income Calculator
Estimate student-loan discretionary income from AGI, family size, state group, poverty allowance, and payment share.
Updated
EBITDA Calculator
Calculate EBITDA by adding depreciation and amortization back to operating profit or EBIT, and see how EBITDA differs from EBIT, net income, and cash flow.
Updated
EBITDA Multiple Calculator
Calculate enterprise value to EBITDA from market capitalization, debt, cash, minority interest, preferred shares, and EBITDA for valuation analysis.
Updated
Enterprise Value Calculator
Calculate enterprise value from market capitalization, debt, minority interest, preferred shares, and cash to estimate whole-company value.
Updated
Verified
Finance Charge Calculator
Estimate a billing-cycle finance charge from balance, APR, cycle days, and extra fees, including daily rate and new opening balance.
Updated
Forward Premium Calculator
Calculate a currency forward premium or discount from spot and forward exchange rates, including annualization on a 360-day money-market basis.
Updated
Future Value of Annuity Calculator
Project the ending value of equal payments by growing each ordinary-annuity or annuity-due cash flow to the end of the schedule with the selected compounding frequency.
Updated
Verified
Growing Annuity Calculator
Calculate the future value of a growing annuity with payment growth, return, frequency, timing, and an optional opening balance.
Updated
HELOC Payment Calculator
Estimate HELOC interest-only draw-period payments, repayment-period amortized payments, available credit, total interest, and total repayment.
Updated
Verified
Home Improvement Loan Calculator
Estimate renovation loan payments, interest, fees, APR including fees, and total cost for remodeling, repairs, upgrades, or home projects.
Updated
Interest Coverage Ratio Calculator
Calculate interest coverage ratio, or times interest earned, by dividing EBIT by interest expense to evaluate how comfortably operating earnings cover debt interest.
Updated
Interest Rate Calculator
Solve the simple annual interest rate from principal, time, and either a final amount or total interest amount.
Updated
Levered Free Cash Flow Calculator
Estimate levered free cash flow from EBITDA, working-capital change, capital expenditures, and mandatory debt repayments.
Updated
LGD Calculator (Loss Given Default)
Estimate loss given default from expected exposure and either recovery rate or loss severity for credit-risk, lending, and portfolio stress analysis.
Updated
Line of Credit Calculator
Estimate payment per period, interest, utilization, and total repayment for a revolving line of credit with minimum-payment and draw assumptions.
Updated
Verified
Loan Balance Calculator
Estimate the remaining principal balance after a selected number of scheduled payments on a fixed-rate loan, including regular payment and principal repaid.
Updated
Loan Calculator
PopularEstimate the monthly payment, total interest, total paid, and payment count for a fixed-rate amortized loan.
Updated
Verified
Loan Comparison Calculator
Compare two fixed-rate loan offers by monthly payment, interest, upfront fees, total cost, lower payment, and total savings.
Updated
Loan Interest Calculator
Estimate the scheduled interest cost, regular payment, total repaid, and interest share for a fixed-rate loan.
Updated
Loan Moratorium Calculator
Estimate the EMI, capitalized interest, balance, and extra cost after a loan payment holiday or moratorium period.
Updated
Loan Payment Calculator
Calculate the required payment per period for a fixed-rate loan with monthly, weekly, quarterly, semiannual, annual, or daily installments.
Updated
Loan Repayment Calculator
Project total repayment, interest paid, payoff time, and the effect of extra monthly principal payments on a fixed-rate loan.
Updated
Loss Ratio Calculator
Calculate an insurance loss ratio from earned premiums, claims, and loss adjustment expenses, with margin before other underwriting costs.
Updated
Lottery Annuity Calculator
Estimate a lottery annuity's first payment, final payment, gross total, after-tax total, and present value from a growing payout schedule.
Updated
MAGI Calculator (Modified Adjusted Gross Income)
Estimate modified adjusted gross income by adding common tax add-backs to AGI for retirement, health insurance, and benefit planning.
Updated
Margin Interest Calculator
Estimate brokerage margin loan interest from amount borrowed, annual rate, holding days, and 360-day or 365-day day-count basis.
Updated
Net Debt Calculator
Calculate net debt by adding short-term and long-term debt, subtracting cash and equivalents, and reviewing cash coverage of total debt.
Updated
Verified
Receivables Turnover Ratio Calculator
Calculate accounts receivable turnover, average receivables, estimated collection period, and sales per receivable dollar from net credit sales.
Updated
Reserve Ratio Calculator
Calculate reserves as a share of deposits, loanable funds, loanable share, and the simple money multiplier for a bank or banking system.
Updated
RV Loan Calculator
Estimate recreational vehicle loan payments, total paid including down payment, and interest cost for motorhomes, trailers, campers, and vans.
Updated
Semi-Monthly Pay Calculator
Convert hourly, daily, weekly, monthly, or yearly gross pay into a twice-monthly paycheck using 24 semi-monthly periods per year.
Updated
Short-Term Fee Annualization Worksheet
Add principal and an entered fee, then calculate a fee-only simple annualization that is not a Regulation Z actuarial APR.
Updated
Student Loan Calculator
Plan student loan repayment by estimating the standard fixed monthly payment, total interest, and total repaid from balance, rate, and term.
Updated
Student Loan Payment Calculator
Calculate a student loan monthly payment, total interest, total paid, and how extra monthly payments may shorten payoff time.
Updated
Subscription Waste Calculator
Total recurring subscription spending by category, annualize the cost, compare it with monthly income, and identify the largest subscription category.
Updated
Unlevered Beta Calculator
Remove the effect of debt financing from equity beta to estimate asset beta using tax rate, total debt, and shareholders' equity.
Updated
Unlevered Free Cash Flow Calculator
Calculate unlevered free cash flow from EBIT, tax rate, depreciation and amortization, CapEx, and signed working-capital change.
Updated
WACC Calculator (Weighted Average Cost of Capital)
Calculate weighted average cost of capital from cost of equity, equity value, pre-tax cost of debt, debt value, and the corporate tax rate.
Updated
50/30/20 Rule Calculator
Split monthly after-tax income into the classic 50/30/20 budget buckets for needs, wants, and savings or debt repayment, with a worked example and practical adjustment tips.
Updated
A/R Days (Days Sales Outstanding) Calculator
Calculate A/R days from accounts receivable, net credit sales, period days, and an optional average receivable balance to evaluate collection speed.
Updated
After-Tax Cost of Debt Calculator
Estimate after-tax cost of debt from a before-tax borrowing rate, pre-tax income, and net income using the tax shield formula.
Updated
Altman Z-Score Calculator
Calculate the classic Altman Z-Score using five weighted ratios for liquidity, retained earnings, operating profit, market leverage, and asset turnover.
Updated
Amortization Calculator
Build a principal-and-interest amortization schedule with monthly payment, total interest, payoff time, and first-year principal details.
Updated
APR Calculator
Estimate a loan annual percentage rate from stated interest, compounding, payment frequency, rolled-in fees, and up-front fees.
Updated
APY Calculator
Convert a nominal APR, compounding frequency, deposit, and term into annual percentage yield, final deposit value, and interest earned.
Updated
Average Collection Period Calculator
Calculate average collection period from average accounts receivable, credit sales, period days, and credit terms to evaluate invoice collection speed.
Updated
Balance Transfer Calculator
Compare a credit card balance transfer against the old card after transfer fees, promotional APR, regular APR, and payments.
Updated
Verified
Bike EMI Calculator
Estimate the monthly EMI, total payable, and interest due for a motorcycle, scooter, e-bike, or bicycle loan using principal, rate, and term.
Updated
Blended Rate Calculator
Calculate the weighted-average interest rate across multiple balances and estimate one-period interest from the combined balance.
Updated
Business Loan Calculator
Estimate business loan payments, net proceeds, total interest, finance charges, APR, and effective APR after origination and other fees.
Updated
California Income Tax Calculator
Estimate California state income tax from AGI, filing status, deductions, dependents, progressive brackets, exemption credits, and the mental health tax.
Updated
CAPM Calculator (Capital Asset Pricing Model)
Estimate required or expected return with CAPM using the risk-free rate, broad market return, beta, market risk premium, and asset risk premium.
Updated
Car Depreciation Calculator
Estimate car value, total depreciation, value lost percentage, and next-year value from first-year and later annual depreciation rates.
Updated
Car Payment Scenario Calculator
Calculate a scenario car price from an entered income share, down payment, trade-in value, APR, and loan term.
Updated
Cash Back Calculator
Estimate cash back rewards, capped rewards, net purchase cost, effective reward rate, and remaining room before a cash back limit.
Updated
Cash Flow to Debt Ratio Calculator
Calculate cash flow to debt ratio from operating cash flow, short-term debt, and long-term debt, with percent coverage and debt-to-cash-flow multiple.
Updated
Child Tax Credit Calculator
Estimate the federal child tax credit and credit for other dependents from filing status, AGI, qualifying children, other dependents, phaseout, and refundable-limit assumptions.
Updated
Cost of Capital Calculator
Estimate a simplified company hurdle rate by adding the entered cost of debt and cost of equity, then compare it with an expected project return.
Updated
Verified
Cost of Equity Calculator
Estimate shareholder required return with either the dividend growth model or CAPM, including dividend yield, beta-adjusted premium, and risk-free-rate inputs.
Updated
Coupon Rate Calculator
Convert a bond's coupon paid each period and payment frequency into annual coupon dollars and the stated coupon rate on face value.
Updated
Credit Card Calculator
Estimate credit card payoff time, total interest, total paid, final payment, and payment risk when monthly charges continue.
Updated
Credit Card Interest Calculator
Estimate billing-cycle credit card interest from average daily balance, APR, cycle days, and optional fees.
Updated
Credit Card Minimum Payment Calculator
Estimate a credit card minimum due from statement balance, percentage rule, dollar floor, and past-due amount.
Updated
Credit Spread Calculator
Compare a corporate bond yield with a Treasury or government benchmark, convert the difference to basis points, and estimate the annual dollar spread on face value.
Updated
Credit Utilization Calculator
Estimate credit card utilization, open credit, and payments needed to reach 30 percent or 10 percent utilization targets.
Updated
Days Payable Outstanding (DPO) Calculator
Calculate days payable outstanding from average payables, estimated purchases, and period days, then interpret supplier payment timing in the cash conversion cycle.
Updated
Debt Calculator
Compare minimum payments, debt snowball, debt avalanche, and consolidation for multiple debts with a strategy-by-strategy payoff view.
Updated
Debt Payoff Calculator
Estimate debt payoff time, total interest, total paid, and the final smaller payment for one balance with a fixed monthly payment.
Updated
Debt to Asset Ratio Calculator
Calculate the debt to asset ratio from short-term debt, long-term debt, and total assets, then interpret how much of the balance sheet is financed by borrowing.
Updated
Debt to Equity Ratio Calculator
Calculate a company's debt-to-equity ratio from total liabilities and shareholder equity, then interpret leverage as a business finance metric.
Updated
Debt-to-Capital Ratio Calculator
Calculate the debt-to-capital ratio from interest-bearing debt and shareholders' equity, then evaluate how much of the capital structure is funded by lenders.
Updated
Deferred Payment Loan Calculator
Estimate how payment deferment changes loan balance, accrued interest, post-deferment monthly payment, repayment length, and extra interest versus no deferment.
Updated
Discretionary Income Calculator
Estimate student-loan discretionary income from AGI, family size, state group, poverty allowance, and payment share.
Updated
EBITDA Calculator
Calculate EBITDA by adding depreciation and amortization back to operating profit or EBIT, and see how EBITDA differs from EBIT, net income, and cash flow.
Updated
EBITDA Multiple Calculator
Calculate enterprise value to EBITDA from market capitalization, debt, cash, minority interest, preferred shares, and EBITDA for valuation analysis.
Updated
Enterprise Value Calculator
Calculate enterprise value from market capitalization, debt, minority interest, preferred shares, and cash to estimate whole-company value.
Updated
Verified
Finance Charge Calculator
Estimate a billing-cycle finance charge from balance, APR, cycle days, and extra fees, including daily rate and new opening balance.
Updated
Forward Premium Calculator
Calculate a currency forward premium or discount from spot and forward exchange rates, including annualization on a 360-day money-market basis.
Updated
Future Value of Annuity Calculator
Project the ending value of equal payments by growing each ordinary-annuity or annuity-due cash flow to the end of the schedule with the selected compounding frequency.
Updated
Verified
Growing Annuity Calculator
Calculate the future value of a growing annuity with payment growth, return, frequency, timing, and an optional opening balance.
Updated
HELOC Payment Calculator
Estimate HELOC interest-only draw-period payments, repayment-period amortized payments, available credit, total interest, and total repayment.
Updated
Verified
Home Improvement Loan Calculator
Estimate renovation loan payments, interest, fees, APR including fees, and total cost for remodeling, repairs, upgrades, or home projects.
Updated
Interest Coverage Ratio Calculator
Calculate interest coverage ratio, or times interest earned, by dividing EBIT by interest expense to evaluate how comfortably operating earnings cover debt interest.
Updated
Interest Rate Calculator
Solve the simple annual interest rate from principal, time, and either a final amount or total interest amount.
Updated
Levered Free Cash Flow Calculator
Estimate levered free cash flow from EBITDA, working-capital change, capital expenditures, and mandatory debt repayments.
Updated
LGD Calculator (Loss Given Default)
Estimate loss given default from expected exposure and either recovery rate or loss severity for credit-risk, lending, and portfolio stress analysis.
Updated
Line of Credit Calculator
Estimate payment per period, interest, utilization, and total repayment for a revolving line of credit with minimum-payment and draw assumptions.
Updated
Verified
Loan Balance Calculator
Estimate the remaining principal balance after a selected number of scheduled payments on a fixed-rate loan, including regular payment and principal repaid.
Updated
Loan Calculator
PopularEstimate the monthly payment, total interest, total paid, and payment count for a fixed-rate amortized loan.
Updated
Verified
Loan Comparison Calculator
Compare two fixed-rate loan offers by monthly payment, interest, upfront fees, total cost, lower payment, and total savings.
Updated
Loan Interest Calculator
Estimate the scheduled interest cost, regular payment, total repaid, and interest share for a fixed-rate loan.
Updated
Loan Moratorium Calculator
Estimate the EMI, capitalized interest, balance, and extra cost after a loan payment holiday or moratorium period.
Updated
Loan Payment Calculator
Calculate the required payment per period for a fixed-rate loan with monthly, weekly, quarterly, semiannual, annual, or daily installments.
Updated
Loan Repayment Calculator
Project total repayment, interest paid, payoff time, and the effect of extra monthly principal payments on a fixed-rate loan.
Updated
Loss Ratio Calculator
Calculate an insurance loss ratio from earned premiums, claims, and loss adjustment expenses, with margin before other underwriting costs.
Updated
Lottery Annuity Calculator
Estimate a lottery annuity's first payment, final payment, gross total, after-tax total, and present value from a growing payout schedule.
Updated
MAGI Calculator (Modified Adjusted Gross Income)
Estimate modified adjusted gross income by adding common tax add-backs to AGI for retirement, health insurance, and benefit planning.
Updated
Margin Interest Calculator
Estimate brokerage margin loan interest from amount borrowed, annual rate, holding days, and 360-day or 365-day day-count basis.
Updated
Net Debt Calculator
Calculate net debt by adding short-term and long-term debt, subtracting cash and equivalents, and reviewing cash coverage of total debt.
Updated
Verified
Receivables Turnover Ratio Calculator
Calculate accounts receivable turnover, average receivables, estimated collection period, and sales per receivable dollar from net credit sales.
Updated
Reserve Ratio Calculator
Calculate reserves as a share of deposits, loanable funds, loanable share, and the simple money multiplier for a bank or banking system.
Updated
RV Loan Calculator
Estimate recreational vehicle loan payments, total paid including down payment, and interest cost for motorhomes, trailers, campers, and vans.
Updated
Semi-Monthly Pay Calculator
Convert hourly, daily, weekly, monthly, or yearly gross pay into a twice-monthly paycheck using 24 semi-monthly periods per year.
Updated
Short-Term Fee Annualization Worksheet
Add principal and an entered fee, then calculate a fee-only simple annualization that is not a Regulation Z actuarial APR.
Updated
Student Loan Calculator
Plan student loan repayment by estimating the standard fixed monthly payment, total interest, and total repaid from balance, rate, and term.
Updated
Student Loan Payment Calculator
Calculate a student loan monthly payment, total interest, total paid, and how extra monthly payments may shorten payoff time.
Updated
Subscription Waste Calculator
Total recurring subscription spending by category, annualize the cost, compare it with monthly income, and identify the largest subscription category.
Updated
Unlevered Beta Calculator
Remove the effect of debt financing from equity beta to estimate asset beta using tax rate, total debt, and shareholders' equity.
Updated
Unlevered Free Cash Flow Calculator
Calculate unlevered free cash flow from EBIT, tax rate, depreciation and amortization, CapEx, and signed working-capital change.
Updated
WACC Calculator (Weighted Average Cost of Capital)
Calculate weighted average cost of capital from cost of equity, equity value, pre-tax cost of debt, debt value, and the corporate tax rate.
Updated
Frequently asked questions
- What does the balance transfer calculator compare?
- It compares keeping the balance on the old card with moving it to a new card that charges a transfer fee, promotional APR, promotional period, and regular APR after the promotion ends.
- How is the transfer fee handled?
- The calculator multiplies the transferred amount by the fee percentage. That fee is added to the new card balance and also counted as part of the new card's total cost.
- Why can a 0 percent offer still cost money?
- A 0 percent promotional APR can reduce interest, but the transfer fee is charged upfront. If the fee is larger than the interest avoided, or if regular APR applies later, savings can shrink or disappear.