Loan calculators and borrower tools
Run the numbers before you borrow. These calculators work offline, don't track you, and don't submit any data anywhere. Use them as many times as you need.
Total cost calculator
Enter the loan amount, stated APR, term, and origination fee. The calculator shows your monthly payment, total interest, total of payments, and the effective APR including the fee.
Monthly payment
$50.23
Total interest
$102.77
Total paid
$602.77
Effective APR
1.2%
Cost breakdown
Incl. $25.00 origination fee
Payment composition over time
Educational estimate, not a guarantee. Actual APR depends on the lender, your state, and your creditworthiness. The effective APR includes the origination fee in the cost of credit.
Debt trap risk calculator
Your debt-to-income (DTI) ratio is the percentage of your gross monthly income that goes to debt payments. Most lenders prefer DTI below 36%. Above that, a new loan can trigger a cycle of rollovers.
Include rent/mortgage, car loan, credit cards, student loans.
Before taxes, from all sources.
Debt-to-Income ratio
Moderate risk20.0%
You're within the 36% guideline most lenders prefer, but approaching the upper bound. A new loan could push you over.
Readiness checklist
Before you submit a request, make sure you meet the basic criteria lenders look for. This is an educational tool — it does not predict approval or guarantee an offer.
This is not an approval prediction
This checklist helps you understand what lenders typically evaluate. It does not predict whether you'll be approved, what rate you'll get, or whether you'll receive an offer. The lender decides.
Checklist progress
0 / 8
Review the items you haven't checked. Each one represents a factor lenders consider when evaluating your request.
All calculators on this page are provided for general educational purposes only. They do not constitute financial, legal, or credit advice. Results are estimates based on the inputs you provide and the mathematical formula for amortized loans. Actual loan terms, APRs, and fees depend on the lender, your state, your creditworthiness, and applicable law.