Free loan calculators for mortgages, car, land, and personal loans, each with the full payment schedule. No sign-up, and nothing you type leaves your browser.
Every payment in a table, with a chart, extra payments, biweekly, print, and CSV.
Compare extra-payment plans side by side.
Payoff date with extra payments, PMI milestones, and presets.
Down payment, 10 to 40 year terms, monthly to annual payments.
Every calculator on this site runs the same amortization engine, built by Cedrick Reese, using the same formula published by Calculator.net; its $250,000 base case matches figures published by several independent calculators to the cent. Each schedule is forced to end at zero, and no page pulls a live rate, so the math stays correct without maintenance. Where a page shows a rate range, the sources and the date they were checked are on that page.
Last reviewed: .
Yes. Every calculator on this site is free to use, with no account and no download. If advertising is added later, it will be clearly labeled and never placed inside a calculator or its results.
No. Everything you type runs in your browser and is never sent anywhere; close the tab and your inputs are gone. The site keeps your light or dark theme choice on your own device, records your cookie consent choice, and counts visits with cookieless analytics that store no personal identifier. The privacy policy spells all of that out.
The formulas are the standard ones lenders use, and every schedule is forced to end at exactly zero. Your lender's figures can still differ by a few cents or a day because of rounding conventions and payment dates, so treat the results as accurate estimates and your statement as the record.
Any fixed-rate loan with regular payments: mortgages, auto loans, personal loans, fixed-rate student loans, and land loans. Balloon loans have their own calculator. Variable-rate loans and income-driven student plans will not match, because the payment or rate changes over time.
Cedrick Reese, a retired veteran and web developer who runs the Ready Utilities tool sites. The about page explains how each formula is checked and how the rate notes are kept current.