Borrowing, payoff, and savings — the real numbers
The monthly payment is only half the story.
Loans advertise the payment and hide the total interest. Credit cards price the minimum and hide the decade. These calculators show the full cost of borrowing, the fastest way out of debt, and the math of saving — so every money decision starts from the true number.
Money calculators
- Loan payment calculator
Monthly payment, total interest, and total cost of any fixed-rate loan.
- Credit card interest calculator
Payoff timeline and true interest cost of a card balance.
- Debt payoff calculator
Avalanche vs snowball on two balances, compared honestly.
- Savings goal calculator
How long to reach your target at a monthly contribution and APY.
- Interest earned calculator
Compound growth of a lump sum over years.
- Emergency fund calculator
Months of expenses → your target number and progress.
Worked examples
- $20,000 loan at 6.5%: payment & interest
$391.32/month, $3,479.38 interest — worked.
- $5,000 card balance at 24.99% APR
58 months, $3,622.30 interest — worked.
- Avalanche vs snowball: $6,500 of debt
Avalanche saves $206.47 — worked.
- Saving $10,000 at $200/month
47 months at 4% APY — worked.
- $10,000 at 4.5% for 10 years
Grows to $15,669.93 — worked.
- Emergency fund for $4,200/mo expenses
$25,200 target — worked.
Frequently asked questions
Avalanche or snowball — which pays off debt faster?
Avalanche (highest rate first) always costs less in interest; snowball (smallest balance first) wins on motivation with early payoffs. The debt payoff calculator runs both on your balances.
How much emergency fund do I need?
The standard rule is 3–6 months of essential expenses. The emergency fund calculator turns your monthly number into a target and tracks your progress.
Is it better to pay extra on a loan or invest?
Compare the loan's APR against your expected after-tax return. Extra loan payments earn a guaranteed return equal to the APR — the loan calculator shows exactly what each extra dollar saves.