Loans & bills calculators

Personal Loan Payoff

For a fixed-payment personal loan: the payoff date at your current payment, the months and interest an extra payment removes, and how the interest-to-principal split of each payment shifts over the schedule. Amortization computed month by month, matching the standard mechanics the CFPB describes.

Auto Loan Payoff

When your car is actually paid off: the payoff date at your current payment, what extra payments change, and the total interest across the remaining term. Enter the balance and payment from your statement — the math runs month by month on the declining balance, entirely in your browser.

Medical Debt Payoff

Medical debt usually sits on a 0% hospital payment plan — so the math is months, not interest, unless it has moved to a credit card. This calculator handles both cases, shows the difference between them in dollars, and points at the negotiation letters worth sending before you commit to any plan.