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Pay a little now.
Keep a lot later.
Every loan is the same story told at different speeds: money you pay early is interest you never pay at all. These calculators put your situation side by side with a better version of it — and show you the difference in dollars, not jargon.
A $350,000 mortgage at 6.75% for 30 years, with $200 extra a month:
Interest saved
$114,979
Money that stays with you
Time saved
6 yr 3 mo
Off a 30-year loan
Total cost of this plan
$702,255
Instead of $817,234
That's $200 a month — about $72,000 paid in over the life of the loan — buying back $114,979 of interest. You'll see these same three numbers on every calculator here, so once you can read one, you can read them all.
Start here
Which of these sounds like you?
Most calculator sites hand you a wall of tools and hope you pick the right one. Pick the sentence that matches your situation instead — we'll open the right calculator with sensible numbers already filled in.
“I want to pay off my house sooner”
See what $100, $200 or one extra payment a year takes off the back end of a 30-year mortgage.
Open the mortgage comparison“The dealer offered me 72 months”
Long car loans hide their cost in the monthly number. Put 60 and 72 months side by side.
Compare car loan terms“My credit cards aren't going down”
Watch what a minimum payment actually does, then find the payment that ends it in three years.
Open the credit card calculator“Someone called offering me a loan”
They give you a payment, never a rate. Type in "$25,000 for $520 a month" and see the truth.
Decode the offer“I have five debts and no plan”
List them once. See which order clears them fastest and what the comfortable order costs you.
Build a payoff plan“I just want to understand the math”
Why a 30-year loan costs what it does, what APR really means, and where the money actually goes.
Read the plain-English versionOr go straight to a calculator
Five tools, one way of reading them. Each one compares two scenarios side by side and ends with interest saved, time saved, and total cost.
Mortgage
What does paying a little extra on my house actually save me?
Compare your loan as-is against the same loan with extra payments. Interest saved, years cut, side by side.
OpenAuto Loans
Is that 72-month car payment as good as it sounds?
Put two terms next to each other. The longer one always looks cheaper monthly — see what it costs in the end.
OpenCredit Cards
How long will minimum payments really take?
The minimum-payment trap, drawn to scale — then see what any fixed payment does instead.
OpenDebt Payoff
I have several debts. Which one do I attack first?
Snowball versus avalanche on your actual balances, with the cost of choosing the comfortable one.
OpenLoan Offers
"You qualify for $25,000 at $520 a month." Is that a good deal?
They tell you the payment and hide the rate. Enter both numbers and see the APR every term implies.
OpenWhy the same three numbers, every time?
Because lenders compete on the monthly payment, and the monthly payment is the one number that hides everything else. Stretch a car loan from 60 months to 72 and the payment drops — while the amount you hand over goes up by thousands.
Interest saved is what the decision is worth. Time saved is what it feels like. Total cost is the number nobody in a dealership or a call center will say out loud. Read those three and you can evaluate any offer put in front of you.
Every result here is a link. Copy it, send it to your spouse, or print the one-page summary and take it with you.