Free Loan Calculators
Plain-English calculators for the three loans that actually matter. Monthly payments, total interest, and full amortization schedules in seconds — no signup, no fees, no upsells.
Choose a calculator
Auto Loan Calculator
Cars, trucks, and motorcycles. Model down payment, trade-in, and extra payments.
Mortgage Calculator
Full PITI payment with taxes, insurance, and PMI — not just principal and interest.
Personal Loan Calculator
Unsecured personal loans. Great for modeling debt consolidation savings.
Why Benji?
Most loan calculators give you a single number and hide the math. We show you the real monthly payment, walk through the formula, explain what's actually driving it, and let you test "what if I paid an extra $X a month?" — because that's where the real savings come from.
Learn
How much car can I afford on a $60k salary?
The 20/4/10 rule, what dealers won't tell you, and a worked budget.
15-year vs 30-year mortgage: which saves more?
A side-by-side comparison with real numbers, plus the third option most people miss.
How extra payments shrink your loan
Why an extra $50 a month is shockingly powerful — and where it works hardest.
Auto loan rates by credit score in 2026
What rate you should expect by tier, and how to bump yourself up before applying.