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Free calculators that show the real cost of borrowing and the fastest way out of debt — total interest included, nothing hidden.
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Home equity & mortgage
Tap equity, compare the ways to do it, and pay the house off sooner.
Home Equity Loan Calculator
See how much you can borrow against your home and what the monthly payment would be, with a full amortization schedule.
Open calculator →HELOC Payment Calculator
Estimate your HELOC payments during the interest-only draw period and the repayment period that follows.
Open calculator →HELOC vs Home Equity Loan Calculator
Same equity, two very different loans. Compare payments and lifetime cost side by side — including what happens to the HELOC if rates rise.
Open calculator →Cash-Out Refinance vs Home Equity Loan Calculator
Need cash from your home? Compare replacing your whole mortgage against adding a home equity loan — total interest for each path.
Open calculator →Mortgage Payoff Calculator
See how extra monthly or annual payments shorten your mortgage and how many thousands in interest they save.
Open calculator →Refinance Break-Even Calculator
How many months until refinance closing costs pay for themselves — and whether the term reset quietly costs more than the rate saves.
Open calculator →Biweekly Payment Calculator
Half your payment every two weeks sneaks a 13th payment into each year. See exactly how many years and dollars that trick saves.
Open calculator →Mortgage Recast Calculator
Drop a lump sum on the mortgage and re-amortize: your new lower payment, what the recast fee buys, and how it compares to just prepaying.
Open calculator →Velocity Banking Calculator
Does chunking a HELOC into your mortgage actually beat just paying extra? Both plans, the same surplus, side by side — plus the break-even HELOC rate.
Open calculator →Mortgage Points Calculator
Are discount points worth it? Break-even month and lifetime savings for buying down your rate — before you hand over cash at closing.
Open calculator →Mortgage Points vs Down Payment Calculator
Same cash, two destinations. Buy down the rate or shrink the loan — with the PMI cliff, the point cap, and the month one finally overtakes the other.
Open calculator →15 vs 30 Year Mortgage Calculator
The classic trade-off, quantified: payments, lifetime interest, and the hybrid nobody mentions — a 30-year paid like a 15.
Open calculator →HELOC Payoff Calculator
Pay the line off early: what extra payments during the draw period save, and how to beat the payment cliff before it arrives.
Open calculator →HELOC vs Personal Loan Calculator
Funding a project? Compare a HELOC against an unsecured personal loan — closing costs and origination fee included — and find the break-even amount below which the personal loan is cheaper.
Open calculator →Home Equity Loan Payoff Calculator
Pay off a fixed-rate home equity loan early: how much sooner extra payments make you debt-free, and the interest they save on your second mortgage.
Open calculator →Solar Loan Calculator — Dealer Fee & the Month-18 Payment Jump
The 2.99% is bought with a dealer fee hidden in your price, and the payment assumes you hand over your tax credit by month 18. See the true APR — and what the payment becomes when the lump sum never arrives.
Open calculator →Credit card debt
Payoff strategies and the escape routes out of 20%+ interest.
Credit Card Payoff Calculator
Compare the snowball and avalanche strategies across all your cards and see how much interest each plan saves.
Open calculator →Balance Transfer Calculator
Is a 0% balance transfer worth the fee? Compare keeping your card vs transferring, month by month.
Open calculator →Personal Loan vs Balance Transfer Calculator
The two main escapes from card debt, compared honestly: fixed-rate loan vs 0% intro offer, fees included, same monthly budget.
Open calculator →Balance Transfer Fee Calculator
What the 3–5% transfer fee costs in dollars, how many days of interest it buys back, and the exact balance where it stops being worth paying.
Open calculator →Debt Snowball Calculator
The smallest-first method with a milestone timeline: the date each debt disappears, your first win, and your debt-free day.
Open calculator →Debt Avalanche Calculator
Highest rate first, minimum interest paid: a rate-kill timeline showing how fast your monthly interest bleed shrinks to zero.
Open calculator →Credit Card Interest Calculator
What your balance really costs: interest per day, per month, and per year — and the payment that finally beats it.
Open calculator →Balance Transfer Payoff Calculator
The exact monthly payment that clears your transferred balance before the 0% window shuts — and what the leftover costs if you miss the deadline.
Open calculator →Home Equity vs Credit Card Debt Calculator
Should you use a HELOC or home equity loan to pay off credit cards? The interest saved, the cost of stretching the term — and the debt you just secured with your house.
Open calculator →Credit Card Minimum Payment Calculator
Work out your card’s minimum payment from the issuer’s own formula — then watch how paying only that shrinking minimum keeps you in debt for years, and what a fixed payment saves.
Open calculator →Loans & payoff planning
True loan costs, consolidation math, and faster payoff plans.
Personal Loan Calculator
Monthly payment and true total cost of a personal loan, including the origination fee most calculators ignore.
Open calculator →Loan Payoff Calculator
See how much sooner you’ll be debt-free and how much interest you save by adding extra monthly or one-time payments to any loan.
Open calculator →Student Loan Payoff Calculator
See when your student loans actually end — and how extra payments or one-time windfalls move the date and shrink the interest.
Open calculator →Auto Loan Payoff Calculator
Pay the car off early: what extra payments save in interest, and how fast you can get right-side-up on the loan.
Open calculator →Debt Consolidation Calculator
Roll multiple debts into one loan and see whether it actually saves money — monthly payment, total interest, and fees compared side by side.
Open calculator →Debt-to-Income Ratio Calculator
Calculate your DTI the way lenders do, see which approval thresholds you clear, and what it takes to reach the next one.
Open calculator →Personal Loan Affordability Calculator
How large a personal loan your income actually supports — the lender’s DTI math on your salary, and the payment you can carry without regret.
Open calculator →Pay Off Debt or Invest Calculator
The eternal question, answered with your numbers: guaranteed interest savings vs expected market returns, compared at the same finish line.
Open calculator →IUL Calculator — Illustrated vs Guaranteed
Your illustration prints two columns. The agent showed you one. Enter both and we print the real annual return of each — plus the break-even the sales pages cannot agree on.
Open calculator →Infinite Banking Calculator
Bring your own illustration. We print the one number it never does — your policy’s real annual return — and price it against buying term and investing the difference.
Open calculator →401(k) Loan Calculator
Borrowing from your future self: the real cost of a 401(k) loan in foregone growth — plus the job-change risk nobody prices in.
Open calculator →Loan Comparison Calculator
Two offers, one honest answer: payments, fees, effective APR, and total cost side by side — even when the terms differ.
Open calculator →Payoff Amount & Per-Diem Interest Calculator
Your exact payoff amount today — and why it’s more than your statement balance. Per-diem interest, your 10-day payoff quote, and the 360-day trick that raises it.
Open calculator →Payday Loan APR & True-Cost Calculator
Turn a “$15 per $100” payday fee into the real APR — often around 400% — and watch how rolling the loan over stacks fees while the balance never moves. See the cheaper alternatives, side by side.
Open calculator →0% Financing vs Cash Rebate Calculator
The dealer offers 0% APR or cash back — never both. See which one actually costs less, and the break-even rate below which the rebate wins.
Open calculator →Extended Warranty & GAP Refund Calculator
Cancel a financed warranty or GAP policy and the refund goes to your lender, not to you. See what it does instead: how many months earlier your loan ends, and the interest you never pay.
Open calculator →No calculator matches that. Browse all 42 or tell us what you were looking for.
Guides & data
Decision guides and original data studies, computed with the same engines as the calculators. See all →
Payday Rollover Math: The Day the Fees Become Bigger Than the Loan
Original data: on a typical $15-per-$100 payday loan, cumulative rollover fees exceed the entire amount borrowed after seven 14-day terms — while every dollar of principal is still due.
Read →The Car Loan Deduction Dies at $111,000, Not $150,000 — and 0% Financing Kills It Outright
Original data: the 2025 car loan interest deduction phases out by a flat dollar amount, not a percentage. A typical car loan's deduction is worth nothing above a $111,000 MAGI. And 0% financing, having no interest, has nothing to deduct.
Read →The Refund That Never Reaches You: What Cancelling a Car Warranty Actually Does
Original data: cancelling a financed extended warranty or GAP policy sends the refund to your lender, not to you — and your payment does not drop. We computed what it does instead, and what one unread clause in the contract is worth.
Read →Total cost, not teaser payments
Every tool shows lifetime interest and total repayment — the numbers lenders don't lead with.
Private by design
Calculations run entirely on your device. Balances and rates you enter are never stored or sent anywhere.
The math, explained
Each calculator comes with a plain-English guide to how the numbers work, so you can verify everything.
Why these calculators exist
Borrowing decisions are where small differences cost real money. Half a percent on a home equity loan, the order you pay off your credit cards, the payment jump hiding at the end of a HELOC draw period — each one can mean thousands of dollars, and none of them are obvious from a lender's brochure.
Every tool on PayoffRoute follows the same rules: it shows the total cost, not just the monthly payment; it explains the math so you can sanity-check it; and it runs entirely in your browser, so your financial details never leave your device.