MoneyCalc
7 free calculators

Free Personal Loans Calculators 2026

Compare personal, auto, student, and other loan options with EMI and amortization breakdowns.

Browse CalculatorsHow to Use

All Personal Loans Calculators

7 calculators

Personal Loan Calculator
Popular

Calculate your monthly EMI, total interest, and view a complete amortization schedule.

  • EMI calculation
  • Total interest and payment breakdown
  • Full amortization schedule
  • Interest vs. principal chart
$322.67/mo EMIUse Calculator
Auto Loan Calculator
Popular

Calculate your car loan payment including taxes, down payment, and trade-in value.

  • Financed amount with tax and trade-in
  • Monthly payment calculation
  • Total interest and vehicle cost
  • Amortization schedule
$388/moUse Calculator
Auto Lease Calculator

Calculate your monthly lease payment and compare leasing vs. buying the same vehicle.

  • Monthly lease payment (standard formula)
  • Total lease cost
  • Lease vs. buy comparison
  • Money factor to APR conversion
$393/moUse Calculator
Student Loan Calculator
Popular

Estimate payments under standard, graduated, and income-driven repayment plans.

  • Standard, graduated, and IDR plans
  • Monthly payment comparison
  • Total interest by plan
  • Payoff timeline
$324.84/mo standardUse Calculator
General Loan Calculator
Popular

Calculate any loan payment by amount, rate, term, and payment frequency (monthly, bi-weekly, weekly).

  • Flexible payment frequency
  • Bi-weekly interest savings
  • Amortization table
  • Total interest comparison
$265/bi-weeklyUse Calculator
Loan Comparison Tool
Popular

Compare up to 3 loan scenarios side-by-side to find the most cost-effective option.

  • 3-scenario side-by-side table
  • Cheapest option highlighted
  • Monthly payment comparison
  • Total interest/cost comparison
Scenario 2 winsUse Calculator
Amortization Schedule Generator

Generate a complete month-by-month amortization schedule and export to CSV or PDF.

  • Full payment-by-payment schedule
  • Start date support
  • CSV and PDF export
  • Payment date tracking
360 payment rowsUse Calculator

Personal Loans Guides

Understanding EMI: How Loan Payments Work

EMI (Equated Monthly Installment) is calculated from principal, interest rate, and term. Learn how to compare loan offers by total cost.

4 min read

Auto Loan vs. Auto Lease: Which Is Better?

Leasing offers lower payments but you build no equity. Buying costs more monthly but you own the asset outright. See a full cost comparison.

5 min read

Student Loan Repayment Plan Guide

Federal student loans offer multiple repayment options — standard, graduated, and income-driven. Learn which plan minimizes total interest.

6 min read

How Amortization Works

In early payments, most of your money goes to interest. Understand front-loaded interest and why extra payments are so effective.

5 min read

Compare Personal Loans Calculators

NameBest ForComplexityKey Feature
Personal LoanBorrowers comparing simple loan termsSimpleEMI + full amortization
Auto LoanVehicle financing with trade-inModerateTrade-in and tax included
Loan ComparisonChoosing between multiple loan offersModerate3-scenario side-by-side
Student LoanFederal and private student debtAdvancedMultiple repayment plans

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