Calculators and tools

Estimate the monthly payment and total cost of a fixed-rate loan, including an origination fee and extra payments, then compare two scenarios side by side.

Move the sliders and see how an origination fee and a shorter term push the APR above the interest rate, and why.

Start from your own month: income, fixed costs, and a cushion. See a payment range you're comfortable with and what loan amounts it covers at different rates and terms.

List your balances and payments, add a hypothetical consolidation loan, and compare payoff time and total interest, fees included.

Compare what's left on your current loan with a new rate and term: monthly change, total change, and how long fees take to pay for themselves.

Enter up to three real offers. The worksheet totals each one, checks the numbers against each other, and shows which costs least overall.

What to gather, what to check on your credit report, and the questions to answer for yourself first. Saves your progress in this browser.

Answer five short questions about what the money is for and how soon you need it. Get options to look at before, or instead of, a loan.

Go through twelve yes-or-no questions about a lender or loan offer. See which answers are warning signs and how to check further.