Free Financial Calculators

Estimate loan payments, compare borrowing costs, check your DTI, and plan your financial future

Get your rate in minutes

No credit score impact

Borrow up to $500,000+

All PrimeRates Calculators

31 Free Tools for Loans, Credit, Debt & Budgeting

Use our free financial calculators to estimate loan payments, compare borrowing costs, check your debt-to-income ratio, and plan your financial future. Every calculator includes educational content and expert guidance.

🏦 Prime Rate Calculators

See how changes in the prime rate affect your loans, credit cards, and savings.

Prime Rate Impact Calculator See how a rate change affects your monthly payments across credit cards, HELOCs, and adjustable loans. Prime Rate Forecast Calculator Explore historical prime rates and project future loan costs at different rate scenarios. Prime Rate vs Fixed Rate Calculator Compare the total cost of a variable-rate loan tied to prime versus a fixed-rate personal loan. Prime Rate Credit Card Calculator Calculate how each Fed rate change affects your credit card interest charges month by month. Prime Rate Savings Calculator See how prime rate changes affect your savings account and CD yields over time. Prime Rate Loan Payment Calculator Calculate loan payments using today’s prime rate plus your lender’s margin.

💰 Personal Loan Calculators

Estimate monthly payments, compare offers, and find the cheapest way to borrow.

Personal Loan Calculator Calculate monthly payments, total interest, and see a full amortization schedule for any personal loan. Debt Consolidation Calculator See how much you could save by consolidating credit card debt into a single personal loan. Debt-to-Income Calculator Calculate your DTI ratio and see which personal loan lenders approve your range. Credit Card Payoff Calculator Find out how long it takes to pay off your credit card and how much interest you’ll pay. Loan Comparison Calculator Compare two personal loan offers side by side, including fees, to find the cheaper option. APR vs Interest Rate Calculator See the true cost of a loan after origination fees — compare APR to the quoted interest rate.

🏢 Business Loan Calculators

Estimate payments and compare financing options for your small business.

Business Loan Calculator Calculate monthly payments and total cost for term loans, SBA loans, and lines of credit. SBA Loan Calculator Estimate monthly payments for SBA 7(a), 504, and microloan programs with current rates. Business Loan Affordability Calculator Find out how much business financing you can afford based on your revenue and expenses. Equipment Financing Calculator Compare buying vs leasing equipment and see monthly payment estimates.

📊 Credit & Debt Calculators

Tools to manage debt, improve your credit, and plan your payoff strategy.

Credit Score Simulator See how actions like paying off debt or opening new accounts could affect your FICO score. Debt Payoff Calculator Compare snowball vs avalanche payoff strategies and see which saves more money. Balance Transfer Savings Calculator Calculate savings from a 0% APR balance transfer card versus keeping your current rate. Credit Utilization Calculator Check your credit utilization ratio and see how it impacts your credit score. Debt-Free Date Calculator Enter your debts and monthly budget to find out exactly when you’ll be debt-free.

📋 Planning & Budgeting Calculators

Plan your finances, set goals, and understand what you can afford.

Loan Affordability Calculator Find out how much you can afford to borrow based on your income and existing debts. Emergency Fund Calculator Calculate how much you need in emergency savings based on your monthly expenses. Monthly Budget Calculator Build a monthly budget using the 50/30/20 rule and see where your money goes. Net Worth Calculator Add up your assets and subtract your debts to see your total net worth. Savings Goal Calculator Figure out how much to save each month to reach your financial goal on time.

🔧 Specialty Calculators

Advanced tools for specific borrowing scenarios.

Early Loan Payoff Calculator See how much you save in interest by making extra payments on your personal loan. Refinance Savings Calculator Compare your current loan terms to a refinanced loan and calculate potential savings. Co-Signer Impact Calculator Estimate how adding a co-signer could improve your loan rate and monthly payment. Interest-Only vs Amortized Calculator Compare total cost of interest-only payments versus a fully amortized loan schedule. Origination Fee Impact Calculator See exactly how an origination fee changes your loan proceeds and true APR.