Free · Instant · Accurate

Calculate Any
Payment, Instantly

Free payment calculators for mortgages, auto loans, credit cards, boat and RV loans, and more — all in one place.

13
Calculators
100%
Free
Instant
Results
Tools

Choose a Calculator

Select any calculator below and get instant payment estimates with a full amortization breakdown.

Mortgage Calculator
Estimate your monthly home loan payment
$
$
%
Interest Rate6.5%
Loan Term30 yrs
$
$
Monthly Payment
—
per month
Principal & Interest—
Property Tax—
Insurance—
Loan Amount—
Total Interest—
Total Cost—
PrincipalInterest
Auto Loan Calculator
Estimate your monthly car payment
$
$
$
Interest Rate7.0%
Loan Term60 mo
%
Monthly Payment
—
per month
Loan Amount—
Sales Tax—
Total Interest—
Total Cost—
PrincipalInterest
Credit Card Payoff
See how long it'll take to pay off your balance
$
APR21.0%
$
mo
Payoff Time
—
to pay off balance
Monthly Payment—
Total Interest—
Total Paid—
Interest % of Balance—
BalanceInterest
Student Loan Calculator
Plan your student loan repayment
$
Interest Rate5.5%
Repayment Term10 yrs
mo
Monthly Payment
—
per month
Total Paid—
Total Interest—
Accrued in Grace—
Payoff Date—
PrincipalInterest
Personal Loan Calculator
Calculate payments for any personal loan
$
Interest Rate (APR)11.0%
Loan Term36 mo
%
Monthly Payment
—
per month
Origination Fee—
Total Interest—
Total Cost—
Effective APR—
PrincipalInterest
HELOC Calculator
Home equity line of credit payment estimator
$
$
$
Interest Rate9.0%
Interest-Only Payment
—
per month (draw period)
Home Equity—
LTV Ratio—
Max HELOC (80% LTV)—
Annual Interest Cost—
EquityDebt
Vehicle Lease Calculator
Estimate your monthly car lease payment
$
$
$
Money Factor (× 2400 = APR)0.0030
mo
$
Monthly Lease Payment
—
per month
Depreciation Fee—
Finance Fee—
Effective APR—
Total Lease Cost—
DepreciationFinance
Savings Goal Calculator
Find out how much to save each month
$
$
Annual Return / APY4.5%
Time Horizon5 yrs
Monthly Contribution
—
needed per month
Future Value—
Total Contributions—
Interest Earned—
Interest % of Goal—
ContributionsInterest
Boat Loan Calculator
Estimate your monthly boat or watercraft payment
$
$
$
Interest Rate8.5%
Loan Term120 mo
$
$
Monthly Payment
—
per month (loan + costs)
Loan Payment—
Insurance / mo—
Storage / mo—
Loan Amount—
Total Interest—
Total Cost—
PrincipalInterest
RV Loan Calculator
Estimate your monthly RV or camper payment
$
$
$
Interest Rate9.0%
Loan Term180 mo
$
$
Monthly Payment
—
per month (all-in)
Loan Payment—
Insurance / mo—
Maintenance / mo—
Loan Amount—
Total Interest—
Total Cost—
PrincipalInterest
Business Loan Calculator
Estimate payments for small business financing
$
Interest Rate (APR)8.0%
Loan Term60 mo
%
$
Monthly Payment
—
per month
Origination Fee—
Total Interest—
Total Cost—
Payment-to-Revenue—
Debt Service Ratio—
PrincipalInterest
Investment Return Calculator
Project growth of your investments over time
$
$
Annual Return Rate8.0%
Time Horizon20 yrs
%
%
Future Value
—
projected balance
Total Contributions—
Total Growth—
After-Tax Value—
Inflation-Adjusted—
Effective Return—
ContributionsGrowth
EV vs Gas Calculator
Compare electric vs gasoline cost per mile
📍 Detecting your location…
¢/kWh
Enter your rate or wait for auto-detect
mi/kWh
$/gal
Enter your local price or wait for auto-detect
MPG
mi
$
EV Cost Per Mile
—
cents per mile (electric)
⚡ EV — cost/mile—
⛽ Gas — cost/mile—
Monthly fuel savings—
Annual fuel savings—
Break-even (months)—
—
5-year total fuel savings
EV costGas cost
PeriodPaymentPrincipalInterestBalance
Totals————

Free payment calculators for every kind of loan

PaymentChecker has 13 free calculators. Each one works out your payment instantly using the standard fixed-rate formulas lenders use, and most include a full amortization schedule showing how every payment splits between principal and interest.

Frequently asked questions

Are these calculators free?

Yes. Every calculator on PaymentChecker is free, with no sign-up.

Is my information saved or sent anywhere?

No. The calculations run in your browser. The only request the site makes is an optional location lookup on the EV vs gas calculator, and only if you allow it.

How accurate are the results?

They use the standard formulas lenders use for fixed-rate loans. They are estimates for planning — your lender’s disclosures are the final word.

Which calculator should I use?

Pick the one for the loan or goal you have in mind: a mortgage, car, credit card, student, personal, HELOC, lease, boat, RV or business loan, a savings goal, an investment, or EV versus gas running costs.

All calculators

Resources

Payment Tips & Insights

Smart strategies to manage your payments and build wealth.

📉

Lower your rate

Even a 0.5% rate reduction can save tens of thousands over a mortgage term. Shop multiple lenders before committing.

⚡

Pay bi-weekly

Switching to bi-weekly mortgage payments makes 26 half-payments per year — the equivalent of one extra full payment annually.

💡

Extra principal

Adding even $100/month to your loan principal can dramatically cut your payoff time and total interest paid.

🔄

Refinance wisely

The break-even point for refinancing is typically 2–3 years. Make sure you plan to stay long enough to benefit.

📊

20% down saves more

A 20% down payment on a home eliminates PMI, which can cost $100–$300/month on top of your regular payment.

🏦

High-yield savings

Keep your savings in a high-yield account earning 4–5% APY instead of a standard savings account earning near 0%.