Loan Calculators
Compare NumberSwift loan tools: loan payment, car loan, UK car finance, APR, debt payoff and US and UK student loans, with guidance on which to use.
8 tools with distinct tasks. Global tools use your entered assumptions; US and UK tools state their local scope and rule year.
Payment calculators amortise an entered balance. Income-contingent UK student-loan repayments instead follow earnings and plan thresholds; do not treat them as ordinary instalment loans.
Loan Calculator
Calculate monthly payments and total interest for a fixed-rate loan. Compare extra principal payments and inspect the repayment schedule.
↗LoansCar Loan Calculator
Estimate monthly car payments after a down payment, net trade-in credit and financed fees. See the amount financed and total interest separately.
↗UK · Car FinanceUK Car Finance Calculator
Model PCP or Hire Purchase using your deposit, quoted nominal interest rate, fees and balloon. Compare instalments with the full cost of ownership.
↗LoansAPR Calculator
Estimate a fee-adjusted annual loan rate from net funds received and equal monthly repayments.
↗LoansDebt Payoff Calculator
Find how many monthly payments clear a balance at a fixed rate. Compare paying more and see total interest without adding new borrowing.
↗US · Revolving Credit & Debt StrategiesUS Debt Snowball vs Avalanche Calculator
Compare smallest-balance-first and highest-APR-first repayment on the same debt portfolio. Both strategies keep the same total monthly budget and roll freed payments forward.
↗US · Student Loan CostsFederal Student Loan Payment Calculator
Model fixed federal student-loan payments with legacy standard terms or the Tiered Standard rules introduced in July 2026.
↗UK · Student Loan Repayment ScenariosUK Student Loan Repayment Calculator
Estimate earnings-based repayments for one undergraduate plan and an optional postgraduate loan, using the reviewed 2026/27 thresholds.
↗Related collections
Mortgage Calculators for the US and UK
Browse all calculators or read our calculation methodology.