Snap Tool Suite

Free Loan & Mortgage Calculators

Before you sign for the biggest debt of your life, see what it really costs — the monthly payment, the total interest, what you can actually afford, and the fastest way back out. Calculated in your browser, instant, no sign-up.

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Transparent amortization, not a black box Private — nothing leaves your browser Instant results, no sign-up
Borrowing for a home or car? Start with the Mortgage Calculator for the payment, check what you can afford with the Affordability tool, then map your exit with the Debt Payoff planner.

Home & mortgage

Buy, refinance, and tap home equity — what it costs and what you can afford.

HELOC Payment Calculator

Calculate your monthly payment on a home equity line of credit based on amount borrowed, interest rate, and term.

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Mortgage Calculator

Your monthly mortgage payment (with taxes, insurance, and HOA) and the total interest over the life of the loan.

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Mortgage Refinance Break-Even Calculator

See how long it takes for your refinance savings to pay back the closing costs and when you'll come out ahead.

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Mortgage Affordability Calculator

Estimate how much house you can afford from your income, debts, and down payment.

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Rent vs Buy Calculator

Compare your monthly rent against the full monthly cost of owning to see which is cheaper.

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Homebuyer Planner

See how long to save your down payment and your future monthly mortgage payment.

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Auto & vehicle loans

What the car really costs once interest is in the picture.

Auto Refinance Calculator

See if refinancing your car loan lowers your monthly payment, and how much total interest you save over the life of the loan.

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Car Affordability Calculator

How much car can you afford? See the max price and monthly payment from your income, down payment, and APR using the 20/4/10 rule.

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Car Lease vs Buy Calculator

Compare the total cost of leasing versus buying the same car over the same period, including the resale value you keep when you buy.

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Car Loan Calculator

Your monthly auto loan payment, total interest, and amount financed — after down payment, trade-in, and sales tax.

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Personal & other loans

Personal, student, and any loan — the true cost of borrowing.

Loan Amortization Calculator

Monthly payment, total interest, total paid, and your first payment's principal/interest split — for any loan.

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Student Loan Payoff Calculator

Calculate how long it will take to pay off your student loans and see the impact of extra payments on your timeline.

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Debt payoff

The cheapest, fastest route out of what you owe.

Debt Payoff Calculator

Add all your debts, set an extra payment, and see your debt-free date, total interest, and whether snowball or avalanche pays off faster.

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More borrowing tools

Every other loan and mortgage calculator.

Debt-to-Income (DTI) Ratio Calculator

Calculate your debt-to-income ratio — monthly debt payments divided by gross monthly income.

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