Run the numbers before you sign. Monthly payment, total interest, and full amortization schedule for any loan — in seconds.
The two most common financed purchases. Know your payment before you walk into the dealership.
Check a dealer's math before you sign. Enter loan amount, APR, and term to get the exact monthly payment and full payoff schedule.
Shorter terms and higher rates than cars — model the real cost of financing a bike before you commit.
Big-ticket recreational purchases often carry higher rates and longer terms. Run the full amortization before you fall in love with the toy.
Boat financing typically runs 10–20 years with rates higher than auto loans. See exactly how much that slip fee is going to cost in interest.
RVs depreciate fast and finance long. Model a 15-year note to understand the true cost of life on the road.
ATVs are often financed at dealer rates that can surprise you. Run the math before you ride off the lot.
Aircraft financing is a specialty market — longer terms, aviation lenders, and unique collateral rules. Model the debt before you get your ticket.
Productive assets — these loans often have tax implications and can be modeled against the cash flow they generate.
See your true monthly housing cost — full PITI with property tax, insurance, and PMI, not just principal and interest. Includes amortization schedule and down-payment sensitivity.
Whether you're financing a CNC machine, a fleet of trucks, or a conveyor system — model the debt service against the revenue the equipment will generate.
Mobile home financing often carries higher rates than traditional mortgages. See the full payment schedule across a 20-year note.
Every calculator here uses the same standard amortization formula. Here's what's actually happening.
Monthly Payment Formula
Where P = principal, r = monthly rate (APR ÷ 12 ÷ 100), n = total number of payments (years × 12).
Amortized loans have a fixed monthly payment. What changes each month is how much of that payment goes to interest vs. principal.
In month one, almost all of your payment is interest. By the final month, almost all of it is principal. The amortization table shows you the exact split each month.
A 1% difference in APR on a $50,000 boat loan over 15 years costs over $4,500 in total interest. Always shop the rate, not just the payment.
Extending from 5 to 7 years on a car loan lowers your monthly payment but can cost you 30–40% more in total interest paid. Use the calculator to see the real tradeoff.